<ARTICLE> 9
<MULTIPLIER>  1

                                             
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       1,914,046
<INT-BEARING-DEPOSITS>                       1,500,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                    654,682
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<SHORT-TERM>                                 4,256,333
<LIABILITIES-OTHER>                          1,748,187
<LONG-TERM>                                          0
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<LOAN-LOSSES>                                   18,000
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<EPS-BASIC>                                     0.46
<EPS-DILUTED>                                     0.46
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<ALLOWANCE-FOREIGN>                                  0
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