<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 17,656,180 <INT-BEARING-DEPOSITS> 3,550 <FED-FUNDS-SOLD> 15,975,000 <TRADING-ASSETS> 707,546 <INVESTMENTS-HELD-FOR-SALE> 13,984,416 <INVESTMENTS-CARRYING> 683,315 <INVESTMENTS-MARKET> 656,782 <LOANS> 377,690,225 <ALLOWANCE> 3,900,000 <TOTAL-ASSETS> 432,806,820 <DEPOSITS> 387,450,449 <SHORT-TERM> 5,000,000 <LIABILITIES-OTHER> 1,679,595 <LONG-TERM> 6,930,592 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 71,406 <OTHER-SE> 31,674,778 <TOTAL-LIABILITIES-AND-EQUITY> 432,806,820 <INTEREST-LOAN> 21,299,752 <INTEREST-INVEST> 777,049 <INTEREST-OTHER> 696,542 <INTEREST-TOTAL> 22,773,343 <INTEREST-DEPOSIT> 9,709,827 <INTEREST-EXPENSE> 10,007,740 <INTEREST-INCOME-NET> 12,765,603 <LOAN-LOSSES> 683,691 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,812,306 <INCOME-PRETAX> 4,055,046 <INCOME-PRE-EXTRAORDINARY> 2,585,874 <EXTRAORDINARY> 0 <CHANGES> 121,491 <NET-INCOME> 2,707,365 <EPS-BASIC> 0.38 <EPS-DILUTED> 0.35 <YIELD-ACTUAL> 8.36 <LOANS-NON> 319,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,169,978 <ALLOWANCE-OPEN> 3,200,000 <CHARGE-OFFS> 15,163 <RECOVERIES> 31,473 <ALLOWANCE-CLOSE> 3,900,000 <ALLOWANCE-DOMESTIC> 3,670,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 230,000