<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       6,728,035
<INT-BEARING-DEPOSITS>                          43,697
<FED-FUNDS-SOLD>                             6,642,950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,637,010
<INVESTMENTS-CARRYING>                       1,990,317
<INVESTMENTS-MARKET>                         1,984,438
<LOANS>                                    101,764,532
<ALLOWANCE>                                    787,599
<TOTAL-ASSETS>                             126,392,116
<DEPOSITS>                                  88,760,814
<SHORT-TERM>                                10,500,000
<LIABILITIES-OTHER>                            731,008
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,334,765
<OTHER-SE>                                  21,065,529
<TOTAL-LIABILITIES-AND-EQUITY>             126,392,116
<INTEREST-LOAN>                              5,959,375
<INTEREST-INVEST>                              229,946
<INTEREST-OTHER>                               533,701
<INTEREST-TOTAL>                             6,723,022
<INTEREST-DEPOSIT>                           1,939,133
<INTEREST-EXPENSE>                           2,450,263
<INTEREST-INCOME-NET>                        4,272,759
<LOAN-LOSSES>                                  255,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,343,993
<INCOME-PRETAX>                              1,307,789
<INCOME-PRE-EXTRAORDINARY>                   1,307,789
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   848,462
<EPS-BASIC>                                        .40
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    7.90
<LOANS-NON>                                     66,427
<LOANS-PAST>                                   186,075
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  9,514
<ALLOWANCE-OPEN>                               696,068
<CHARGE-OFFS>                                   59,134
<RECOVERIES>                                       665
<ALLOWANCE-CLOSE>                              787,599
<ALLOWANCE-DOMESTIC>                           787,599
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0