<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 29,457,717 <INT-BEARING-DEPOSITS> 714,973 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 593,055,847 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 630,038,777 <ALLOWANCE> (11,314,064) <TOTAL-ASSETS> 1,310,061,569 <DEPOSITS> 799,460,488 <SHORT-TERM> 0 <LIABILITIES-OTHER> 0 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 22,652,660 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 1,310,061,569 <INTEREST-LOAN> 12,299,918 <INTEREST-INVEST> 7,185,627 <INTEREST-OTHER> 309,411 <INTEREST-TOTAL> 19,794,956 <INTEREST-DEPOSIT> 4,553,343 <INTEREST-EXPENSE> 4,897,707 <INTEREST-INCOME-NET> 10,343,906 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 223,779 <EXPENSE-OTHER> 9,633,833 <INCOME-PRETAX> 6,031,983 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,850,220 <EPS-BASIC> 0.43 <EPS-DILUTED> 0.43 <YIELD-ACTUAL> 3.47 <LOANS-NON> 1,891,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 644,000 <LOANS-PROBLEM> 5,885,088 <ALLOWANCE-OPEN> 11,254,731 <CHARGE-OFFS> 224,025 <RECOVERIES> 283,358 <ALLOWANCE-CLOSE> 11,314,064 <ALLOWANCE-DOMESTIC> 11,314,064 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0