<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      39,524,439
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                120,411,355
<INVESTMENTS-CARRYING>                     279,051,838
<INVESTMENTS-MARKET>                       272,176,552
<LOANS>                                    795,778,374
<ALLOWANCE>                                 11,285,846
<TOTAL-ASSETS>                           1,281,441,038
<DEPOSITS>                                 949,235,286
<SHORT-TERM>                               175,000,000
<LIABILITIES-OTHER>                          8,169,186
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                 149,036,566
<TOTAL-LIABILITIES-AND-EQUITY>           1,281,441,038
<INTEREST-LOAN>                             51,562,475
<INTEREST-INVEST>                           21,723,679
<INTEREST-OTHER>                               132,377
<INTEREST-TOTAL>                            73,418,531
<INTEREST-DEPOSIT>                          29,128,536
<INTEREST-EXPENSE>                          36,120,131
<INTEREST-INCOME-NET>                       37,298,400
<LOAN-LOSSES>                                4,500,000
<SECURITIES-GAINS>                              26,602
<EXPENSE-OTHER>                             17,257,646
<INCOME-PRETAX>                             21,544,557
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                15,636,047
<EPS-BASIC>                                       0.78
<EPS-DILUTED>                                     0.78
<YIELD-ACTUAL>                                    4.16
<LOANS-NON>                                 19,711,230
<LOANS-PAST>                                   267,849
<LOANS-TROUBLED>                             1,073,877
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             9,900,000
<CHARGE-OFFS>                                5,167,009
<RECOVERIES>                                 2,052,855
<ALLOWANCE-CLOSE>                           11,285,846
<ALLOWANCE-DOMESTIC>                        11,285,846
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0