<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      20,196,371
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                                 0
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<ALLOWANCE>                                 11,845,643
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<DEPOSITS>                                 873,885,658
<SHORT-TERM>                               101,766,450
<LIABILITIES-OTHER>                         14,391,246
<LONG-TERM>                                          0
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<COMMON>                                     1,177,619
<OTHER-SE>                                  93,446,390
<TOTAL-LIABILITIES-AND-EQUITY>           1,084,667,363
<INTEREST-LOAN>                             49,639,422
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<INTEREST-OTHER>                                59,954
<INTEREST-TOTAL>                            60,511,762
<INTEREST-DEPOSIT>                          30,760,036
<INTEREST-EXPENSE>                          35,657,560
<INTEREST-INCOME-NET>                       24,854,202
<LOAN-LOSSES>                                1,375,000
<SECURITIES-GAINS>                               (407)
<EXPENSE-OTHER>                             12,104,146
<INCOME-PRETAX>                             13,103,088
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 8,770,088
<EPS-BASIC>                                       1.24
<EPS-DILUTED>                                     1.20
<YIELD-ACTUAL>                                    3.36
<LOANS-NON>                                    662,023
<LOANS-PAST>                                   221,832
<LOANS-TROUBLED>                                     0
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<CHARGE-OFFS>                                      294
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<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        720,188