<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       3,977,996
<INT-BEARING-DEPOSITS>                       3,766,123
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 50,460,734
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    281,475,653
<ALLOWANCE>                                  2,753,380
<TOTAL-ASSETS>                             357,894,600
<DEPOSITS>                                 260,651,576
<SHORT-TERM>                                25,500,000
<LIABILITIES-OTHER>                          1,738,331
<LONG-TERM>                                 30,744,069
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,111
<OTHER-SE>                                  39,220,513
<TOTAL-LIABILITIES-AND-EQUITY>             357,894,600
<INTEREST-LOAN>                             15,574,150
<INTEREST-INVEST>                            2,526,727
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            18,100,877
<INTEREST-DEPOSIT>                           8,165,869
<INTEREST-EXPENSE>                           9,825,408
<INTEREST-INCOME-NET>                        8,275,469
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                              61,564
<EXPENSE-OTHER>                              6,339,322
<INCOME-PRETAX>                              4,949,962
<INCOME-PRE-EXTRAORDINARY>                   4,949,962
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,219,142
<EPS-BASIC>                                       1.20
<EPS-DILUTED>                                     1.18
<YIELD-ACTUAL>                                    7.52
<LOANS-NON>                                    503,354
<LOANS-PAST>                                    28,199
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,676,438
<CHARGE-OFFS>                                   21,040
<RECOVERIES>                                     7,982
<ALLOWANCE-CLOSE>                            2,753,380
<ALLOWANCE-DOMESTIC>                         2,753,380
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0