<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 13,331,839 <INT-BEARING-DEPOSITS> 33,321,874 <FED-FUNDS-SOLD> 11,700,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 64,659,940 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 388,157,650 <ALLOWANCE> (4,640,333) <TOTAL-ASSETS> 493,177,751 <DEPOSITS> 429,431,575 <SHORT-TERM> 11,646 <LIABILITIES-OTHER> 3,516,008 <LONG-TERM> 17,357,143 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 36,407,798 <OTHER-SE> 5,127,401 <TOTAL-LIABILITIES-AND-EQUITY> 493,177,751 <INTEREST-LOAN> 26,496,610 <INTEREST-INVEST> 3,052,578 <INTEREST-OTHER> 120,023 <INTEREST-TOTAL> 29,669,211 <INTEREST-DEPOSIT> 12,794,722 <INTEREST-EXPENSE> 13,618,507 <INTEREST-INCOME-NET> 16,050,704 <LOAN-LOSSES> 1,419,100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,972,871 <INCOME-PRETAX> 5,939,185 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,997,685 <EPS-BASIC> 1.240 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.020 <LOANS-NON> 3,495,400 <LOANS-PAST> 143,716 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,924,348 <CHARGE-OFFS> (755,165) <RECOVERIES> 52,050 <ALLOWANCE-CLOSE> 4,640,333 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0