<ARTICLE> 9

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                      12,667,620
<INT-BEARING-DEPOSITS>                       4,464,338
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 97,721,012
<INVESTMENTS-CARRYING>                      37,110,889
<INVESTMENTS-MARKET>                        36,445,749
<LOANS>                                    234,086,432
<ALLOWANCE>                                  3,452,131
<TOTAL-ASSETS>                             406,221,564
<DEPOSITS>                                 367,187,558
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          5,167,909
<LONG-TERM>                                  5,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        136
<COMMON>                                        26,562
<OTHER-SE>                                  28,837,399
<TOTAL-LIABILITIES-AND-EQUITY>             406,221,564
<INTEREST-LOAN>                             19,982,224
<INTEREST-INVEST>                            9,773,796
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            29,756,020
<INTEREST-DEPOSIT>                          13,576,177
<INTEREST-EXPENSE>                          14,307,978
<INTEREST-INCOME-NET>                       15,448,042
<LOAN-LOSSES>                                2,129,660
<SECURITIES-GAINS>                           (692,419)
<EXPENSE-OTHER>                             14,588,970
<INCOME-PRETAX>                              1,563,429
<INCOME-PRE-EXTRAORDINARY>                     960,729
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   960,729
<EPS-BASIC>                                       0.36
<EPS-DILUTED>                                     0.35
<YIELD-ACTUAL>                                    7.82
<LOANS-NON>                                    521,456
<LOANS-PAST>                                    87,230
<LOANS-TROUBLED>                                67,521
<LOANS-PROBLEM>                              2,966,842
<ALLOWANCE-OPEN>                             3,061,631
<CHARGE-OFFS>                                1,433,160
<RECOVERIES>                                   306,000
<ALLOWANCE-CLOSE>                            3,452,131
<ALLOWANCE-DOMESTIC>                         3,452,131
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,015,216