<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       8,376,984
<INT-BEARING-DEPOSITS>                       1,984,062
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 20,913,886
<INVESTMENTS-CARRYING>                      56,354,399
<INVESTMENTS-MARKET>                        56,472,000
<LOANS>                                    101,922,368
<ALLOWANCE>                                  1,313,109
<TOTAL-ASSETS>                             196,199,377
<DEPOSITS>                                 158,800,185
<SHORT-TERM>                                 8,919,272
<LIABILITIES-OTHER>                          1,347,097
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,447,640
<OTHER-SE>                                  15,685,183
<TOTAL-LIABILITIES-AND-EQUITY>             196,199,377
<INTEREST-LOAN>                              6,166,768
<INTEREST-INVEST>                            3,350,524
<INTEREST-OTHER>                               382,203
<INTEREST-TOTAL>                             9,899,495
<INTEREST-DEPOSIT>                           3,363,679
<INTEREST-EXPENSE>                           3,508,267
<INTEREST-INCOME-NET>                        6,391,228
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,592,844
<INCOME-PRETAX>                              2,332,437
<INCOME-PRE-EXTRAORDINARY>                   1,859,399
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,859,399
<EPS-BASIC>                                        .82
<EPS-DILUTED>                                      .82
<YIELD-ACTUAL>                                    5.14
<LOANS-NON>                                    209,927
<LOANS-PAST>                                    22,868
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,431,228
<ALLOWANCE-OPEN>                             1,296,513
<CHARGE-OFFS>                                  105,535
<RECOVERIES>                                    32,131
<ALLOWANCE-CLOSE>                            1,313,109
<ALLOWANCE-DOMESTIC>                           735,300
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        577,809