<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                      18,850,834
<INT-BEARING-DEPOSITS>                         273,434
<FED-FUNDS-SOLD>                            24,450,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 71,720,058
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<INVESTMENTS-MARKET>                        83,741,265
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<ALLOWANCE>                                  4,988,295
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<DEPOSITS>                                 457,128,220
<SHORT-TERM>                                24,301,462
<LIABILITIES-OTHER>                          5,179,439
<LONG-TERM>                                          0
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<COMMON>                                    11,495,785
<OTHER-SE>                                 100,474,405
<TOTAL-LIABILITIES-AND-EQUITY>             598,579,311
<INTEREST-LOAN>                             28,445,097
<INTEREST-INVEST>                            6,132,194
<INTEREST-OTHER>                             1,065,703
<INTEREST-TOTAL>                            35,642,994
<INTEREST-DEPOSIT>                          10,831,550
<INTEREST-EXPENSE>                          11,744,008
<INTEREST-INCOME-NET>                       23,898,986
<LOAN-LOSSES>                                1,096,583
<SECURITIES-GAINS>                                 675
<EXPENSE-OTHER>                             12,867,631
<INCOME-PRETAX>                             16,265,637
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                10,895,936
<EPS-BASIC>                                       0.95
<EPS-DILUTED>                                     0.95
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
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