<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       8,602,876
<INT-BEARING-DEPOSITS>                       2,663,712
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 57,864,317
<INVESTMENTS-CARRYING>                       2,108,090
<INVESTMENTS-MARKET>                         2,112,651
<LOANS>                                    137,841,871
<ALLOWANCE>                                  1,604,397
<TOTAL-ASSETS>                             218,582,241
<DEPOSITS>                                 153,159,401
<SHORT-TERM>                                12,452,618
<LIABILITIES-OTHER>                            357,342
<LONG-TERM>                                 31,400,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,787
<OTHER-SE>                                  21,205,169
<TOTAL-LIABILITIES-AND-EQUITY>             218,582,241
<INTEREST-LOAN>                              8,674,029
<INTEREST-INVEST>                            3,088,650
<INTEREST-OTHER>                                63,362
<INTEREST-TOTAL>                            11,826,041
<INTEREST-DEPOSIT>                           4,123,337
<INTEREST-EXPENSE>                           1,325,279
<INTEREST-INCOME-NET>                        6,377,425
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                               (605)
<EXPENSE-OTHER>                              4,437,438
<INCOME-PRETAX>                              2,728,852
<INCOME-PRE-EXTRAORDINARY>                   2,728,852
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,721,581
<EPS-BASIC>                                       2.19
<EPS-DILUTED>                                     2.05
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                          0
<LOANS-PAST>                                   612,904
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                1,540,551
<RECOVERIES>                                   118,960
<ALLOWANCE-CLOSE>                                2,806
<ALLOWANCE-DOMESTIC>                         1,604,397
<ALLOWANCE-FOREIGN>                          1,604,397
<ALLOWANCE-UNALLOCATED>                              0