<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       4,726,623
<INT-BEARING-DEPOSITS>                          71,793
<FED-FUNDS-SOLD>                            17,788,678
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,652,437
<INVESTMENTS-CARRYING>                       2,001,824
<INVESTMENTS-MARKET>                         1,992,969
<LOANS>                                     82,633,152
<ALLOWANCE>                                    583,559
<TOTAL-ASSETS>                             116,227,695
<DEPOSITS>                                  79,475,421
<SHORT-TERM>                                10,500,000
<LIABILITIES-OTHER>                            735,053
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,334,765
<OTHER-SE>                                  20,182,456
<TOTAL-LIABILITIES-AND-EQUITY>             116,227,695
<INTEREST-LOAN>                              4,486,101
<INTEREST-INVEST>                              180,169
<INTEREST-OTHER>                               801,599
<INTEREST-TOTAL>                             5,467,869
<INTEREST-DEPOSIT>                           1,709,359
<INTEREST-EXPENSE>                           2,150,903
<INTEREST-INCOME-NET>                        3,316,966
<LOAN-LOSSES>                                  108,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,000,510
<INCOME-PRETAX>                                696,418
<INCOME-PRE-EXTRAORDINARY>                     696,418
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   440,135
<EPS-BASIC>                                       0.21
<EPS-DILUTED>                                     0.21
<YIELD-ACTUAL>                                    7.31
<LOANS-NON>                                     28,131
<LOANS-PAST>                                    23,159
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               482,418
<CHARGE-OFFS>                                   24,006
<RECOVERIES>                                    17,147
<ALLOWANCE-CLOSE>                              583,559
<ALLOWANCE-DOMESTIC>                           583,559
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0