<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                      12,860,890
<INT-BEARING-DEPOSITS>                     233,527,018
<FED-FUNDS-SOLD>                             2,094,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 32,582,480
<INVESTMENTS-CARRYING>                       3,019,171
<INVESTMENTS-MARKET>                         2,996,620
<LOANS>                                    240,565,000
<ALLOWANCE>                                  2,400,000
<TOTAL-ASSETS>                             299,627,176
<DEPOSITS>                                 263,572,710
<SHORT-TERM>                                 3,000,000
<LIABILITIES-OTHER>                            198,131
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,748,808
<OTHER-SE>                                  10,443,867
<TOTAL-LIABILITIES-AND-EQUITY>             299,627,176
<INTEREST-LOAN>                             18,028,657
<INTEREST-INVEST>                            1,654,635
<INTEREST-OTHER>                                33,980
<INTEREST-TOTAL>                            19,717,272
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                           9,743,315
<INTEREST-INCOME-NET>                        9,973,957
<LOAN-LOSSES>                                  665,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              8,580,237
<INCOME-PRETAX>                              3,453,154
<INCOME-PRE-EXTRAORDINARY>                   2,234,794
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,234,794
<EPS-BASIC>                                       1.56
<EPS-DILUTED>                                     1.48
<YIELD-ACTUAL>                                    8.00
<LOANS-NON>                                     87,000
<LOANS-PAST>                                    48,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,899,000
<CHARGE-OFFS>                                  255,000
<RECOVERIES>                                    91,000
<ALLOWANCE-CLOSE>                            2,400,000
<ALLOWANCE-DOMESTIC>                         2,400,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        390,000