<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 4,180,814 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 285,798 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 27,230,678 <INVESTMENTS-CARRYING> 1,101,129 <INVESTMENTS-MARKET> 1,050,666 <LOANS> 67,006,900 <ALLOWANCE> 892,351 <TOTAL-ASSETS> 104,918,529 <DEPOSITS> 93,848,859 <SHORT-TERM> 3,286,726 <LIABILITIES-OTHER> 2,790,000 <LONG-TERM> 882,970 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,390 <OTHER-SE> 4,104,584 <TOTAL-LIABILITIES-AND-EQUITY> 104,918,529 <INTEREST-LOAN> 4,470,724 <INTEREST-INVEST> 1,282,349 <INTEREST-OTHER> 94,815 <INTEREST-TOTAL> 5,847,888 <INTEREST-DEPOSIT> 2,943,672 <INTEREST-EXPENSE> 3,164,678 <INTEREST-INCOME-NET> 2,683,210 <LOAN-LOSSES> 180,000 <SECURITIES-GAINS> 40,742 <EXPENSE-OTHER> 1,970,490 <INCOME-PRETAX> 826,726 <INCOME-PRE-EXTRAORDINARY> 542,800 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 542,800 <EPS-BASIC> 1.01 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 8.40 <LOANS-NON> 5,000 <LOANS-PAST> 277,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 810,563 <CHARGE-OFFS> 100,618 <RECOVERIES> 2,406 <ALLOWANCE-CLOSE> 892,351 <ALLOWANCE-DOMESTIC> 892,351 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0