<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       1,138,228
<INT-BEARING-DEPOSITS>                       2,270,648
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 61,042,230
<INVESTMENTS-CARRYING>                       2,427,798
<INVESTMENTS-MARKET>                         2,428,809
<LOANS>                                    137,052,578
<ALLOWANCE>                                  1,555,489
<TOTAL-ASSETS>                             212,931,585
<DEPOSITS>                                 156,161,149
<SHORT-TERM>                                13,537,734
<LIABILITIES-OTHER>                            377,166
<LONG-TERM>                                 21,400,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,888
<OTHER-SE>                                  21,447,648
<TOTAL-LIABILITIES-AND-EQUITY>             212,447,648
<INTEREST-LOAN>                              5,824,944
<INTEREST-INVEST>                            2,013,504
<INTEREST-OTHER>                                32,718
<INTEREST-TOTAL>                             7,871,166
<INTEREST-DEPOSIT>                           2,736,813
<INTEREST-EXPENSE>                             838,139
<INTEREST-INCOME-NET>                        4,296,214
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                               (605)
<EXPENSE-OTHER>                              2,904,785
<INCOME-PRETAX>                              1,957,854
<INCOME-PRE-EXTRAORDINARY>                   1,957,854
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   659,979
<EPS-BASIC>                                       1.47
<EPS-DILUTED>                                     1.38
<YIELD-ACTUAL>                                    4.20
<LOANS-NON>                                    612,996
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,540,551
<CHARGE-OFFS>                                  107,265
<RECOVERIES>                                     2,203
<ALLOWANCE-CLOSE>                            1,555,489
<ALLOWANCE-DOMESTIC>                         1,555,489
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0