<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY REPORT ON FORM 10-Q FOR THE COMPANY FOR THE PERIOD ENDED SEPTEMBER 30,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE  FINANCIAL  STATEMENTS
AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER>                                         1

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                           5,597,889
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                 3,329,783
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     17,474,380
<INVESTMENTS-CARRYING>                          10,905,303
<INVESTMENTS-MARKET>                            10,930,201
<LOANS>                                        136,733,928
<ALLOWANCE>                                      1,872,751
<TOTAL-ASSETS>                                 178,010,247
<DEPOSITS>                                     157,391,700
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                              1,293,157
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         2,148,710
<OTHER-SE>                                      17,176,680
<TOTAL-LIABILITIES-AND-EQUITY>                 178,010,247
<INTEREST-LOAN>                                  8,283,122
<INTEREST-INVEST>                                1,236,426
<INTEREST-OTHER>                                   297,698
<INTEREST-TOTAL>                                 9,817,246
<INTEREST-DEPOSIT>                               4,953,432
<INTEREST-EXPENSE>                               4,953,432
<INTEREST-INCOME-NET>                            4,863,814
<LOAN-LOSSES>                                      200,000
<SECURITIES-GAINS>                                   4,738
<EXPENSE-OTHER>                                  2,705,809
<INCOME-PRETAX>                                  2,172,969
<INCOME-PRE-EXTRAORDINARY>                       1,651,969
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,651,969
<EPS-BASIC>                                            .96
<EPS-DILUTED>                                          .96
<YIELD-ACTUAL>                                        3.93
<LOANS-NON>                                        457,423
<LOANS-PAST>                                       582,437
<LOANS-TROUBLED>                                   368,328
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,731,096
<CHARGE-OFFS>                                      101,747
<RECOVERIES>                                        43,402
<ALLOWANCE-CLOSE>                                1,872,751
<ALLOWANCE-DOMESTIC>                             1,872,751
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>