<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM UNAUDITED
CONSOLIDATED CONDENSED FINANCIAL STATEMENTS, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.


                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      26,704,616
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 96,950,394
<INVESTMENTS-CARRYING>                      33,779,454
<INVESTMENTS-MARKET>                        33,827,017
<LOANS>                                    439,295,435
<ALLOWANCE>                                  5,973,204
<TOTAL-ASSETS>                             617,705,170
<DEPOSITS>                                 499,421,374
<SHORT-TERM>                                62,313,003
<LIABILITIES-OTHER>                          6,391,627
<LONG-TERM>                                  1,114,718
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    49,376,763
<OTHER-SE>                                   (912,315)
<TOTAL-LIABILITIES-AND-EQUITY>             617,705,170
<INTEREST-LOAN>                             31,909,386
<INTEREST-INVEST>                            5,812,423
<INTEREST-OTHER>                               264,384
<INTEREST-TOTAL>                            37,986,193
<INTEREST-DEPOSIT>                          11,975,571
<INTEREST-EXPENSE>                          14,411,590
<INTEREST-INCOME-NET>                       23,574,603
<LOAN-LOSSES>                                1,850,006
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             19,524,961
<INCOME-PRETAX>                              7,831,763
<INCOME-PRE-EXTRAORDINARY>                   7,831,763
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 5,173,447
<EPS-BASIC>                                       1.06
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    .055
<LOANS-NON>                                  2,439,064
<LOANS-PAST>                                    34,831
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              4,113,232
<ALLOWANCE-OPEN>                             5,386,622
<CHARGE-OFFS>                                1,668,381
<RECOVERIES>                                   404,957
<ALLOWANCE-CLOSE>                            5,973,204
<ALLOWANCE-DOMESTIC>                         5,973,204
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0