<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR THE COMPANY FOR THE PERIOD ENDED SEPTEMBER 30,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL STATEMENTS
AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER> 1
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 5,597,889
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,329,783
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 17,474,380
<INVESTMENTS-CARRYING> 10,905,303
<INVESTMENTS-MARKET> 10,930,201
<LOANS> 136,733,928
<ALLOWANCE> 1,872,751
<TOTAL-ASSETS> 178,010,247
<DEPOSITS> 157,391,700
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,293,157
<LONG-TERM> 0
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 2,148,710
<OTHER-SE> 17,176,680
<TOTAL-LIABILITIES-AND-EQUITY> 178,010,247
<INTEREST-LOAN> 8,283,122
<INTEREST-INVEST> 1,236,426
<INTEREST-OTHER> 297,698
<INTEREST-TOTAL> 9,817,246
<INTEREST-DEPOSIT> 4,953,432
<INTEREST-EXPENSE> 4,953,432
<INTEREST-INCOME-NET> 4,863,814
<LOAN-LOSSES> 200,000
<SECURITIES-GAINS> 4,738
<EXPENSE-OTHER> 2,705,809
<INCOME-PRETAX> 2,172,969
<INCOME-PRE-EXTRAORDINARY> 1,651,969
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,651,969
<EPS-BASIC> .96
<EPS-DILUTED> .96
<YIELD-ACTUAL> 3.93
<LOANS-NON> 457,423
<LOANS-PAST> 582,437
<LOANS-TROUBLED> 368,328
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,731,096
<CHARGE-OFFS> 101,747
<RECOVERIES> 43,402
<ALLOWANCE-CLOSE> 1,872,751
<ALLOWANCE-DOMESTIC> 1,872,751
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0