<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-2000
<CASH>                                       2,602,874
<INT-BEARING-DEPOSITS>                      27,664,087
<FED-FUNDS-SOLD>                            10,071,611
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 43,894,287
<INVESTMENTS-CARRYING>                       2,710,244
<INVESTMENTS-MARKET>                                 0
<LOANS>                                  1,057,684,638
<ALLOWANCE>                                 18,675,294
<TOTAL-ASSETS>                           1,172,952,129
<DEPOSITS>                                 134,266,817
<SHORT-TERM>                               410,106,055
<LIABILITIES-OTHER>                         36,891,454
<LONG-TERM>                                436,914,182
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                   121,974,032
<OTHER-SE>                                      89,823
<TOTAL-LIABILITIES-AND-EQUITY>           1,172,952,129
<INTEREST-LOAN>                             20,581,080
<INTEREST-INVEST>                            1,241,412
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            21,822,492
<INTEREST-DEPOSIT>                           1,458,326
<INTEREST-EXPENSE>                          14,278,005
<INTEREST-INCOME-NET>                        7,544,487
<LOAN-LOSSES>                                   12,500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              7,078,089
<INCOME-PRETAX>                              1,878,074
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,499,810
<EPS-BASIC>                                       4.92
<EPS-DILUTED>                                     4.92
<YIELD-ACTUAL>                                    2.78
<LOANS-NON>                                    795,483
<LOANS-PAST>                                   465,669
<LOANS-TROUBLED>                             1,401,838
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                            18,693,670
<CHARGE-OFFS>                                  334,870
<RECOVERIES>                                   303,996
<ALLOWANCE-CLOSE>                           18,675,296
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                     18,675,296