<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S 10-K FOR PERIOD ENDING DECEMBER 31, 1998 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND THE NOTES
THERETO.
</LEGEND>

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                      12,120,521
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,722,897
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 45,608,982
<INVESTMENTS-CARRYING>                      29,348,246
<INVESTMENTS-MARKET>                        28,800,260
<LOANS>                                    174,734,214
<ALLOWANCE>                                  2,838,481
<TOTAL-ASSETS>                             279,483,812
<DEPOSITS>                                 238,610,269
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,352,457
<LONG-TERM>                                  1,849,090
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,583,961
<OTHER-SE>                                  35,088,035
<TOTAL-LIABILITIES-AND-EQUITY>             279,483,812
<INTEREST-LOAN>                             17,051,620
<INTEREST-INVEST>                            4,542,170
<INTEREST-OTHER>                               475,773
<INTEREST-TOTAL>                            22,069,563
<INTEREST-DEPOSIT>                           9,012,227
<INTEREST-EXPENSE>                           9,138,465
<INTEREST-INCOME-NET>                       12,931,098
<LOAN-LOSSES>                                  791,294
<SECURITIES-GAINS>                              17,561
<EXPENSE-OTHER>                              9,317,509
<INCOME-PRETAX>                              5,401,360
<INCOME-PRE-EXTRAORDINARY>                   3,681,237
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,681,237
<EPS-BASIC>                                     2.33
<EPS-DILUTED>                                     2.32
<YIELD-ACTUAL>                                    5.02
<LOANS-NON>                                  3,262,208
<LOANS-PAST>                                    35,726
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,935,534
<CHARGE-OFFS>                                1,192,008
<RECOVERIES>                                   303,661
<ALLOWANCE-CLOSE>                            2,838,481
<ALLOWANCE-DOMESTIC>                         2,838,481
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0