<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