<ARTICLE> 9

                                                  
<PERIOD-TYPE>                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               SEP-30-1999             DEC-31-1998
<CASH>                                      16,555,948              11,844,077
<INT-BEARING-DEPOSITS>                      29,991,155              31,034,112
<FED-FUNDS-SOLD>                             5,150,000               5,910,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 62,225,039              63,227,690
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                    322,620,423             301,625,133
<ALLOWANCE>                                (4,039,160)             (4,136,690)
<TOTAL-ASSETS>                             421,955,308             402,273,032
<DEPOSITS>                                 366,856,806             350,067,378
<SHORT-TERM>                                10,170,355                  12,500
<LIABILITIES-OTHER>                          2,649,416               2,499,426
<LONG-TERM>                                  3,364,942              13,642,857
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                    31,729,462              14,632,500
<OTHER-SE>                                   5,474,242              21,291,635
<TOTAL-LIABILITIES-AND-EQUITY>             421,955,308             402,273,032
<INTEREST-LOAN>                             20,789,713              24,885,434
<INTEREST-INVEST>                            2,566,418               4,006,522
<INTEREST-OTHER>                               238,599                 323,149
<INTEREST-TOTAL>                            23,594,730              29,215,105
<INTEREST-DEPOSIT>                          10,327,435              13,616,433
<INTEREST-EXPENSE>                          10,908,824              14,539,968
<INTEREST-INCOME-NET>                       12,685,906              14,675,137
<LOAN-LOSSES>                                   25,000                 445,000
<SECURITIES-GAINS>                            (34,824)                 168,448
<EXPENSE-OTHER>                              3,047,000               3,710,861
<INCOME-PRETAX>                              4,921,424               5,855,681
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 3,346,524               4,009,198
<EPS-BASIC>                                       1.14                    1.44
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                    4.46                    4.30
<LOANS-NON>                                  4,217,542               3,292,310
<LOANS-PAST>                                    28,505                 307,270
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             4,136,690               4,374,641
<CHARGE-OFFS>                                (180,556)               (746,280)
<RECOVERIES>                                    58,026                  63,329
<ALLOWANCE-CLOSE>                            4,039,160               4,136,690
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0