<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 362,796 <INT-BEARING-DEPOSITS> 4,255,187 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57,575,855 <INVESTMENTS-CARRYING> 1,012,467 <INVESTMENTS-MARKET> 1,012,467 <LOANS> 165,003,140 <ALLOWANCE> 1,869,266 <TOTAL-ASSETS> 238,936,665 <DEPOSITS> 163,419,415 <SHORT-TERM> 35,344,861 <LIABILITIES-OTHER> 1,607,782 <LONG-TERM> 16,400,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,833 <OTHER-SE> 22,156,774 <TOTAL-LIABILITIES-AND-EQUITY> 238,936,665 <INTEREST-LOAN> 10,247,145 <INTEREST-INVEST> 3,138,972 <INTEREST-OTHER> 74,045 <INTEREST-TOTAL> 13,460,162 <INTEREST-DEPOSIT> 4,589,295 <INTEREST-EXPENSE> 2,218,693 <INTEREST-INCOME-NET> 6,652,174 <LOAN-LOSSES> 270,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,751,433 <INCOME-PRETAX> 2,532,793 <INCOME-PRE-EXTRAORDINARY> 2,532,793 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,677,793 <EPS-BASIC> 2.13 <EPS-DILUTED> 2.04 <YIELD-ACTUAL> 3.86 <LOANS-NON> 138,714 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,653,290 <CHARGE-OFFS> 59,177 <RECOVERIES> 5,153 <ALLOWANCE-CLOSE> 1,869,266 <ALLOWANCE-DOMESTIC> 1,869,266 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0