<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S 10-Q FOR PERIOD ENDING SEPTEMBER 30, 1999 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>                               SEP-30-1999
<CASH>                                       8,840,268
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             9,386,753
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 48,692,689
<INVESTMENTS-CARRYING>                      31,302,083
<INVESTMENTS-MARKET>                        31,010,127
<LOANS>                                    173,739,630
<ALLOWANCE>                                  3,178,453
<TOTAL-ASSETS>                             282,774,199
<DEPOSITS>                                 241,084,928
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,622,568
<LONG-TERM>                                  1,894,902
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,587,885
<OTHER-SE>                                  35,583,916
<TOTAL-LIABILITIES-AND-EQUITY>             282,774,199
<INTEREST-LOAN>                             12,879,332
<INTEREST-INVEST>                            3,474,801
<INTEREST-OTHER>                               391,356
<INTEREST-TOTAL>                            16,745,489
<INTEREST-DEPOSIT>                           6,753,801
<INTEREST-EXPENSE>                           6,849,535
<INTEREST-INCOME-NET>                        9,895,954
<LOAN-LOSSES>                                  506,566
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              7,009,174
<INCOME-PRETAX>                              4,220,048
<INCOME-PRE-EXTRAORDINARY>                   2,831,583
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,831,583
<EPS-BASIC>                                     1.80
<EPS-DILUTED>                                     1.80
<YIELD-ACTUAL>                                    3.81
<LOANS-NON>                                  3,426,211
<LOANS-PAST>                                   303,697
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,935,534
<CHARGE-OFFS>                                  503,057
<RECOVERIES>                                   239,383
<ALLOWANCE-CLOSE>                            3,178,453
<ALLOWANCE-DOMESTIC>                         3,178,453
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0