<ARTICLE> 9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       2,610,227
<INT-BEARING-DEPOSITS>                         881,613
<FED-FUNDS-SOLD>                               300,000
<TRADING-ASSETS>                             1,953,999
<INVESTMENTS-HELD-FOR-SALE>                  7,973,012
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    101,193,811
<ALLOWANCE>                                    579,694
<TOTAL-ASSETS>                             122,426,382
<DEPOSITS>                                  81,910,804
<SHORT-TERM>                                12,000,000
<LIABILITIES-OTHER>                          1,814,496
<LONG-TERM>                                 15,067,043
<PREFERRED-MANDATORY>                           11,241
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  11,622,798
<TOTAL-LIABILITIES-AND-EQUITY>             122,426,382
<INTEREST-LOAN>                              5,471,584
<INTEREST-INVEST>                              649,849
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             6,121,433
<INTEREST-DEPOSIT>                           2,654,109
<INTEREST-EXPENSE>                           3,614,772
<INTEREST-INCOME-NET>                        2,506,661
<LOAN-LOSSES>                                  103,626
<SECURITIES-GAINS>                            (69,895)
<EXPENSE-OTHER>                              2,086,405
<INCOME-PRETAX>                                758,191
<INCOME-PRE-EXTRAORDINARY>                     758,191
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   507,021
<EPS-BASIC>                                       0.68
<EPS-DILUTED>                                     0.68
<YIELD-ACTUAL>                                    3.01
<LOANS-NON>                                    933,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               506,534
<CHARGE-OFFS>                                   36,956
<RECOVERIES>                                     6,490
<ALLOWANCE-CLOSE>                              579,694
<ALLOWANCE-DOMESTIC>                           579,694
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0