<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               SEP-30-2000             SEP-30-1999
<CASH>                                         371,009                 809,023
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 15,825,485              17,807,579
<INVESTMENTS-CARRYING>                      15,825,485              17,807,579
<INVESTMENTS-MARKET>                        15,825,485              17,807,579
<LOANS>                                     25,747,424              23,206,663
<ALLOWANCE>                                   (12,000)                (12,000)
<TOTAL-ASSETS>                              42,281,226              42,183,009
<DEPOSITS>                                           0                       0
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                             78,971                 300,497
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                 20,700,000              20,700,000
<COMMON>                                     6,623,100               6,623,100
<OTHER-SE>                                  14,879,155              14,559,412
<TOTAL-LIABILITIES-AND-EQUITY>              42,281,226              42,183,009
<INTEREST-LOAN>                              1,496,327               1,428,397
<INTEREST-INVEST>                              777,912                 580,901
<INTEREST-OTHER>                                35,458                   9,664
<INTEREST-TOTAL>                              2,309697               2,018,962
<INTEREST-DEPOSIT>                                   0                       0
<INTEREST-EXPENSE>                                   0                       0
<INTEREST-INCOME-NET>                        2,309,697               2,018,962
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                210,356                 228,286
<INCOME-PRETAX>                              2,099,341               1,790,676
<INCOME-PRE-EXTRAORDINARY>                   2,099,341               1,790,676
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 2,099,341               1,790,676
<EPS-BASIC>                                      33.91                   19.93
<EPS-DILUTED>                                    33.91                   19.93
<YIELD-ACTUAL>                                    8.45                    7.70
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>