<ARTICLE> 9

                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             APR-01-1999             JAN-01-1999
<PERIOD-END>                               JUN-30-1999             JUN-30-1999
<CASH>                                       9,668,505               9,668,505
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                            11,800,000              11,800,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 36,060,870              36,060,870
<INVESTMENTS-CARRYING>                      39,956,817              39,956,817
<INVESTMENTS-MARKET>                        39,910,325              39,910,325
<LOANS>                                    154,348,981             154,348,981
<ALLOWANCE>                                  4,550,000               4,550,000
<TOTAL-ASSETS>                             271,238,773             271,238,773
<DEPOSITS>                                 204,589,740             204,589,740
<SHORT-TERM>                                 7,611,157               7,611,157
<LIABILITIES-OTHER>                          4,999,038               4,999,038
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       816,419                 816,419
<OTHER-SE>                                  53,222,419              53,222,419
<TOTAL-LIABILITIES-AND-EQUITY>             271,238,773             271,238,773
<INTEREST-LOAN>                              3,404,955               6,193,424
<INTEREST-INVEST>                              946,218               1,521,747
<INTEREST-OTHER>                               307,939                 994,143
<INTEREST-TOTAL>                             4,659,112               8,709,314
<INTEREST-DEPOSIT>                           2,956,331               5,315,155
<INTEREST-EXPENSE>                           3,077,549               5,659,279
<INTEREST-INCOME-NET>                        1,581,563               3,050,035
<LOAN-LOSSES>                                  449,598               1,988,512
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              5,531,092              14,882,917
<INCOME-PRETAX>                              3,457,679               7,280,443
<INCOME-PRE-EXTRAORDINARY>                   3,457,679               7,280,443
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 2,057,297               4,274,499
<EPS-BASIC>                                       0.25                    0.53
<EPS-DILUTED>                                     0.25                    0.52
<YIELD-ACTUAL>                                    2.45                    2.42
<LOANS-NON>                                  3,364,254               3,364,254
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             4,500,000               4,000,000
<CHARGE-OFFS>                                  429,807               1,470,532
<RECOVERIES>                                    30,209                  32,020
<ALLOWANCE-CLOSE>                            4,550,000               4,550,000
<ALLOWANCE-DOMESTIC>                         2,861,229               2,861,229
<ALLOWANCE-FOREIGN>                          1,294,824               1,294,824
<ALLOWANCE-UNALLOCATED>                        393,947                 393,947