<ARTICLE> 9
<MULTIPLIER> 1

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      11,583,863
<INT-BEARING-DEPOSITS>                         184,000
<FED-FUNDS-SOLD>                            44,450,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 70,757,550
<INVESTMENTS-CARRYING>                      57,688,806
<INVESTMENTS-MARKET>                        57,374,194
<LOANS>                                    407,277,826
<ALLOWANCE>                                 12,212,566
<TOTAL-ASSETS>                             599,494,820
<DEPOSITS>                                 448,376,960
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                         19,591,455
<LONG-TERM>                                 30,443,607
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    16,989,800
<OTHER-SE>                                  84,092,998
<TOTAL-LIABILITIES-AND-EQUITY>             599,494,820
<INTEREST-LOAN>                             33,462,721
<INTEREST-INVEST>                            8,386,382
<INTEREST-OTHER>                               946,876
<INTEREST-TOTAL>                            42,795,979
<INTEREST-DEPOSIT>                          14,872,062
<INTEREST-EXPENSE>                          16,315,850
<INTEREST-INCOME-NET>                       26,480,129
<LOAN-LOSSES>                                  250,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             10,984,857
<INCOME-PRETAX>                             16,203,699
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                10,694,441
<EPS-BASIC>                                       1.06
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    6.09
<LOANS-NON>                                  4,714,937
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                212,413
<ALLOWANCE-OPEN>                            11,737,337
<CHARGE-OFFS>                                  201,339
<RECOVERIES>                                   426,568
<ALLOWANCE-CLOSE>                           12,212,566
<ALLOWANCE-DOMESTIC>                        12,212,566
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0