<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> DEC-31-2000 <CASH> 24,318,046 <INT-BEARING-DEPOSITS> 14,465 <FED-FUNDS-SOLD> 52,875,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,114,577 <INVESTMENTS-CARRYING> 567,973 <INVESTMENTS-MARKET> 565,560 <LOANS> 534,513,314 <ALLOWANCE> 6,896,207 <TOTAL-ASSETS> 690,692,189 <DEPOSITS> 616,025,130 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,560,296 <LONG-TERM> 20,978,867 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 90,300 <OTHER-SE> 51,037,596 <TOTAL-LIABILITIES-AND-EQUITY> 690,692,189 <INTEREST-LOAN> 35,913,151 <INTEREST-INVEST> 2,575,057 <INTEREST-OTHER> 2,209,628 <INTEREST-TOTAL> 40,697,836 <INTEREST-DEPOSIT> 18,713,909 <INTEREST-EXPENSE> 19,909,672 <INTEREST-INCOME-NET> 20,788,164 <LOAN-LOSSES> 763,356 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 16,486,872 <INCOME-PRETAX> 6,004,352 <INCOME-PRE-EXTRAORDINARY> 6,004,352 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,706,188 <EPS-BASIC> 0.41 <EPS-DILUTED> 0.38 <YIELD-ACTUAL> 8.89 <LOANS-NON> 1,984,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 8,021,525 <ALLOWANCE-OPEN> 6,758,000 <CHARGE-OFFS> 680,000 <RECOVERIES> 55,000 <ALLOWANCE-CLOSE> 6,896,000 <ALLOWANCE-DOMESTIC> 6,547,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 348,564