<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      21,568,177
<INT-BEARING-DEPOSITS>                         383,200
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                        82,054,908
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<ALLOWANCE>                                  6,003,763
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<DEPOSITS>                                 496,068,478
<SHORT-TERM>                                22,563,618
<LIABILITIES-OTHER>                          3,786,211
<LONG-TERM>                                          0
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<COMMON>                                    11,496,460
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<TOTAL-LIABILITIES-AND-EQUITY>             640,337,556
<INTEREST-LOAN>                             32,900,701
<INTEREST-INVEST>                            7,056,534
<INTEREST-OTHER>                               706,295
<INTEREST-TOTAL>                            40,663,530
<INTEREST-DEPOSIT>                          12,955,146
<INTEREST-EXPENSE>                          13,733,343
<INTEREST-INCOME-NET>                       26,930,187
<LOAN-LOSSES>                                2,938,286
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<CHANGES>                                            0
<NET-INCOME>                                11,483,329
<EPS-BASIC>                                       1.01
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<YIELD-ACTUAL>                                       0
<LOANS-NON>                                  1,543,104
<LOANS-PAST>                                 1,486,270
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-DOMESTIC>                         6,003,763
<ALLOWANCE-FOREIGN>                                  0
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