<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                         362,796
<INT-BEARING-DEPOSITS>                       4,255,187
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 57,575,855
<INVESTMENTS-CARRYING>                       1,012,467
<INVESTMENTS-MARKET>                         1,012,467
<LOANS>                                    165,003,140
<ALLOWANCE>                                  1,869,266
<TOTAL-ASSETS>                             238,936,665
<DEPOSITS>                                 163,419,415
<SHORT-TERM>                                35,344,861
<LIABILITIES-OTHER>                          1,607,782
<LONG-TERM>                                 16,400,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,833
<OTHER-SE>                                  22,156,774
<TOTAL-LIABILITIES-AND-EQUITY>             238,936,665
<INTEREST-LOAN>                             10,247,145
<INTEREST-INVEST>                            3,138,972
<INTEREST-OTHER>                                74,045
<INTEREST-TOTAL>                            13,460,162
<INTEREST-DEPOSIT>                           4,589,295
<INTEREST-EXPENSE>                           2,218,693
<INTEREST-INCOME-NET>                        6,652,174
<LOAN-LOSSES>                                  270,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,751,433
<INCOME-PRETAX>                              2,532,793
<INCOME-PRE-EXTRAORDINARY>                   2,532,793
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,677,793
<EPS-BASIC>                                       2.13
<EPS-DILUTED>                                     2.04
<YIELD-ACTUAL>                                    3.86
<LOANS-NON>                                    138,714
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,653,290
<CHARGE-OFFS>                                   59,177
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<ALLOWANCE-DOMESTIC>                         1,869,266
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0