<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 2,937,507 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,875,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 24,984,386 <INVESTMENTS-CARRYING> 1,068,584 <INVESTMENTS-MARKET> 1,007,495 <LOANS> 73,781,779 <ALLOWANCE> 971,210 <TOTAL-ASSETS> 110,330,172 <DEPOSITS> 101,120,472 <SHORT-TERM> 925,434 <LIABILITIES-OTHER> 1,128,739 <LONG-TERM> 2,495,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,390 <OTHER-SE> 4,655,137 <TOTAL-LIABILITIES-AND-EQUITY> 110,330,172 <INTEREST-LOAN> 5,261,512 <INTEREST-INVEST> 1,236,254 <INTEREST-OTHER> 90,255 <INTEREST-TOTAL> 6,588,021 <INTEREST-DEPOSIT> 3,433,916 <INTEREST-EXPENSE> 3,642,939 <INTEREST-INCOME-NET> 2,945,082 <LOAN-LOSSES> 180,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,218,348 <INCOME-PRETAX> 823,880 <INCOME-PRE-EXTRAORDINARY> 546,718 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 546,718 <EPS-BASIC> 1.01 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 8.77 <LOANS-NON> 471,380 <LOANS-PAST> 554,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 842,328 <CHARGE-OFFS> 88,133 <RECOVERIES> 37,015 <ALLOWANCE-CLOSE> 971,210 <ALLOWANCE-DOMESTIC> 971,210 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0