<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 14,598,566 <INT-BEARING-DEPOSITS> 51,031 <FED-FUNDS-SOLD> 4,600,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 150,254,933 <INVESTMENTS-CARRYING> 406,108 <INVESTMENTS-MARKET> 407,765 <LOANS> 284,446,025 <ALLOWANCE> 4,273,825 <TOTAL-ASSETS> 472,220,057 <DEPOSITS> 403,160,383 <SHORT-TERM> 16,040,869 <LIABILITIES-OTHER> 2,865,057 <LONG-TERM> 1,985,960 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,257,520 <OTHER-SE> 24,937,268 <TOTAL-LIABILITIES-AND-EQUITY> 472,220,057 <INTEREST-LOAN> 23,407,541 <INTEREST-INVEST> 8,950,783 <INTEREST-OTHER> 708,595 <INTEREST-TOTAL> 33,066,919 <INTEREST-DEPOSIT> 14,196,629 <INTEREST-EXPENSE> 15,129,526 <INTEREST-INCOME-NET> 17,937,393 <LOAN-LOSSES> 266,443 <SECURITIES-GAINS> 1,601,924 <EXPENSE-OTHER> 14,771,416 <INCOME-PRETAX> 8,428,245 <INCOME-PRE-EXTRAORDINARY> 6,062,169 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,062,169 <EPS-BASIC> 1.43 <EPS-DILUTED> 1.43 <YIELD-ACTUAL> 3.86 <LOANS-NON> 1,682,000 <LOANS-PAST> 1,510,000 <LOANS-TROUBLED> 693,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,567,000 <CHARGE-OFFS> 789,000 <RECOVERIES> 229,000 <ALLOWANCE-CLOSE> 4,274,000 <ALLOWANCE-DOMESTIC> 4,274,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,352,000