<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