<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-2000
<CASH>                                      13,054,019
<INT-BEARING-DEPOSITS>                         103,022
<FED-FUNDS-SOLD>                             5,700,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 52,192,858
<INVESTMENTS-CARRYING>                      23,316,587
<INVESTMENTS-MARKET>                        23,557,063
<LOANS>                                    193,815,369
<ALLOWANCE>                                  2,180,717
<TOTAL-ASSETS>                             303,226,581
<DEPOSITS>                                 274,543,111
<SHORT-TERM>                                 1,290,455
<LIABILITIES-OTHER>                          1,279,956
<LONG-TERM>                                  7,478,317
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                  1,861,335
<COMMON>                                       251,517
<OTHER-SE>                                  16,521,890
<TOTAL-LIABILITIES-AND-EQUITY>             303,226,581
<INTEREST-LOAN>                             14,091,971
<INTEREST-INVEST>                            3,537,627
<INTEREST-OTHER>                                86,081
<INTEREST-TOTAL>                            17,715,679
<INTEREST-DEPOSIT>                           6,421,514
<INTEREST-EXPENSE>                           6,901,195
<INTEREST-INCOME-NET>                       10,814,484
<LOAN-LOSSES>                                  595,080
<SECURITIES-GAINS>                              16,126
<EXPENSE-OTHER>                             10,682,132
<INCOME-PRETAX>                              2,877,034
<INCOME-PRE-EXTRAORDINARY>                   2,135,358
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,135,358
<EPS-BASIC>                                      .77
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                    5.24
<LOANS-NON>                                    157,106
<LOANS-PAST>                                   606,671
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,967,327
<CHARGE-OFFS>                                (481,478)
<RECOVERIES>                                    99,788
<ALLOWANCE-CLOSE>                            2,180,717
<ALLOWANCE-DOMESTIC>                            61,178
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      2,119,539