<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 14,798,216 <INT-BEARING-DEPOSITS> 469 <FED-FUNDS-SOLD> 54,825,000 <TRADING-ASSETS> 210,000 <INVESTMENTS-HELD-FOR-SALE> 23,807,572 <INVESTMENTS-CARRYING> 679,806 <INVESTMENTS-MARKET> 676,851 <LOANS> 386,540,094 <ALLOWANCE> 4,235,000 <TOTAL-ASSETS> 488,001,444 <DEPOSITS> 435,797,830 <SHORT-TERM> 0 <LIABILITIES-OTHER> 557,338 <LONG-TERM> 17,920,386 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 71,436 <OTHER-SE> 32,689,249 <TOTAL-LIABILITIES-AND-EQUITY> 488,001,444 <INTEREST-LOAN> 30,018,530 <INTEREST-INVEST> 1,004,753 <INTEREST-OTHER> 1,113,626 <INTEREST-TOTAL> 32,136,909 <INTEREST-DEPOSIT> 13,754,225 <INTEREST-EXPENSE> 14,352,119 <INTEREST-INCOME-NET> 17,784,790 <LOAN-LOSSES> 1,021,256 <SECURITIES-GAINS> 202,454 <EXPENSE-OTHER> 13,386,172 <INCOME-PRETAX> 5,943,098 <INCOME-PRE-EXTRAORDINARY> 3,698,694 <EXTRAORDINARY> 0 <CHANGES> 121,491 <NET-INCOME> 3,820,185 <EPS-BASIC> 0.54 <EPS-DILUTED> 0.50 <YIELD-ACTUAL> 8.39 <LOANS-NON> 293,750 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 770,455 <ALLOWANCE-OPEN> 3,200,000 <CHARGE-OFFS> 19,000 <RECOVERIES> 33,000 <ALLOWANCE-CLOSE> 4,235,000 <ALLOWANCE-DOMESTIC> 4,070,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 165,000