<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       3,738,708
<INT-BEARING-DEPOSITS>                         205,947
<FED-FUNDS-SOLD>                             1,498,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,829,260
<INVESTMENTS-CARRYING>                               0
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<ALLOWANCE>                                    844,623
<TOTAL-ASSETS>                             105,288,209
<DEPOSITS>                                  92,806,311
<SHORT-TERM>                                   723,031
<LIABILITIES-OTHER>                            968,073
<LONG-TERM>                                     47,873
<PREFERRED-MANDATORY>                                0
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<COMMON>                                       295,500
<OTHER-SE>                                  10,447,421
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<INTEREST-LOAN>                              4,469,040
<INTEREST-INVEST>                              822,576
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<INTEREST-TOTAL>                             5,411,030
<INTEREST-DEPOSIT>                           2,674,449
<INTEREST-EXPENSE>                           2,699,702
<INTEREST-INCOME-NET>                        2,711,328
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,336,706
<INCOME-PRETAX>                              1,029,171
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<CHANGES>                                            0
<NET-INCOME>                                   762,348
<EPS-BASIC>                                     2.84
<EPS-DILUTED>                                        0
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<LOANS-NON>                                    200,000
<LOANS-PAST>                                         0
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<ALLOWANCE-OPEN>                               773,116
<CHARGE-OFFS>                                   40,039
<RECOVERIES>                                    21,546
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<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         52,546