<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       1,643,013
<INT-BEARING-DEPOSITS>                       3,380,496
<FED-FUNDS-SOLD>                               529,619
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,672,505
<INVESTMENTS-CARRYING>                       1,409,602
<INVESTMENTS-MARKET>                         1,405,853
<LOANS>                                    108,299,722
<ALLOWANCE>                                    885,245
<TOTAL-ASSETS>                             129,192,293
<DEPOSITS>                                  65,938,690
<SHORT-TERM>                                12,800,000
<LIABILITIES-OTHER>                          1,752,590
<LONG-TERM>                                 19,900,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    17,969,135
<OTHER-SE>                                  10,831,878
<TOTAL-LIABILITIES-AND-EQUITY>             129,192,293
<INTEREST-LOAN>                              6,477,683
<INTEREST-INVEST>                              323,325
<INTEREST-OTHER>                               394,594
<INTEREST-TOTAL>                             7,195,602
<INTEREST-DEPOSIT>                           2,458,944
<INTEREST-EXPENSE>                           3,544,381
<INTEREST-INCOME-NET>                        3,651,221
<LOAN-LOSSES>                                  135,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,943,585
<INCOME-PRETAX>                              1,767,849
<INCOME-PRE-EXTRAORDINARY>                   1,767,849
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,086,820
<EPS-BASIC>                                       0.66
<EPS-DILUTED>                                     0.66
<YIELD-ACTUAL>                                    3.96
<LOANS-NON>                                          0
<LOANS-PAST>                                   191,055
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               750,417
<CHARGE-OFFS>                                      172
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              885,245
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        885,245