<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