<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       2,525,270
<INT-BEARING-DEPOSITS>                       2,585,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                    383,254
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<DEPOSITS>                                  66,180,999
<SHORT-TERM>                                 1,200,000
<LIABILITIES-OTHER>                          1,156,049
<LONG-TERM>                                          0
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<COMMON>                                       212,222
<OTHER-SE>                                  22,503,871
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<INTEREST-INVEST>                            1,137,960
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<INTEREST-TOTAL>                             4,795,330
<INTEREST-DEPOSIT>                           2,190,337
<INTEREST-EXPENSE>                           2,239,012
<INTEREST-INCOME-NET>                        2,556,318
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,050,242
<INCOME-PRETAX>                              1,506,076
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   929,225
<EPS-BASIC>                                        .43
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    7.15
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
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<CHARGE-OFFS>                                    8,786
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<ALLOWANCE-DOMESTIC>                                 0
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<ALLOWANCE-UNALLOCATED>                        383,254