<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       2,937,507
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,875,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 24,984,386
<INVESTMENTS-CARRYING>                       1,068,584
<INVESTMENTS-MARKET>                         1,007,495
<LOANS>                                     73,781,779
<ALLOWANCE>                                    971,210
<TOTAL-ASSETS>                             110,330,172
<DEPOSITS>                                 101,120,472
<SHORT-TERM>                                   925,434
<LIABILITIES-OTHER>                          1,128,739
<LONG-TERM>                                  2,495,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,390
<OTHER-SE>                                   4,655,137
<TOTAL-LIABILITIES-AND-EQUITY>             110,330,172
<INTEREST-LOAN>                              5,261,512
<INTEREST-INVEST>                            1,236,254
<INTEREST-OTHER>                                90,255
<INTEREST-TOTAL>                             6,588,021
<INTEREST-DEPOSIT>                           3,433,916
<INTEREST-EXPENSE>                           3,642,939
<INTEREST-INCOME-NET>                        2,945,082
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,218,348
<INCOME-PRETAX>                                823,880
<INCOME-PRE-EXTRAORDINARY>                     546,718
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   546,718
<EPS-BASIC>                                       1.01
<EPS-DILUTED>                                     1.01
<YIELD-ACTUAL>                                    8.77
<LOANS-NON>                                    471,380
<LOANS-PAST>                                   554,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               842,328
<CHARGE-OFFS>                                   88,133
<RECOVERIES>                                    37,015
<ALLOWANCE-CLOSE>                              971,210
<ALLOWANCE-DOMESTIC>                           971,210
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0