<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       2,160,901
<INT-BEARING-DEPOSITS>                       6,026,164
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 43,430,723
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    312,749,995
<ALLOWANCE>                                  2,819,741
<TOTAL-ASSETS>                             384,376,901
<DEPOSITS>                                 261,685,769
<SHORT-TERM>                                53,000,000
<LIABILITIES-OTHER>                          2,065,212
<LONG-TERM>                                 31,622,554
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,111
<OTHER-SE>                                  35,963,255
<TOTAL-LIABILITIES-AND-EQUITY>             384,376,901
<INTEREST-LOAN>                             17,919,983
<INTEREST-INVEST>                            2,292,378
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            20,212,361
<INTEREST-DEPOSIT>                           9,077,768
<INTEREST-EXPENSE>                          12,172,341
<INTEREST-INCOME-NET>                        8,040,020
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              6,300,490
<INCOME-PRETAX>                              4,545,200
<INCOME-PRE-EXTRAORDINARY>                   4,545,200
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,983,337
<EPS-BASIC>                                       1.50
<EPS-DILUTED>                                     1.47
<YIELD-ACTUAL>                                    7.58
<LOANS-NON>                                  1,060,953
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,776,539
<CHARGE-OFFS>                                   49,042
<RECOVERIES>                                     2,244
<ALLOWANCE-CLOSE>                            2,819,741
<ALLOWANCE-DOMESTIC>                         2,819,741
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0