<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                      13,550,961
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                218,649,336
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    677,988,095
<ALLOWANCE>                                  9,756,482
<TOTAL-ASSETS>                             922,728,607
<DEPOSITS>                                 743,572,527
<SHORT-TERM>                               105,945,417
<LIABILITIES-OTHER>                         12,669,788
<LONG-TERM>                                          0
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<COMMON>                                     1,014,069
<OTHER-SE>                                  59,526,806
<TOTAL-LIABILITIES-AND-EQUITY>             922,728,607
<INTEREST-LOAN>                             38,546,227
<INTEREST-INVEST>                            9,305,019
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            47,851,246
<INTEREST-DEPOSIT>                          23,317,094
<INTEREST-EXPENSE>                          26,634,345
<INTEREST-INCOME-NET>                       21,216,901
<LOAN-LOSSES>                                1,600,000
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<EXPENSE-OTHER>                             10,968,063
<INCOME-PRETAX>                             10,299,301
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-BASIC>                                       1.15
<EPS-DILUTED>                                     1.11
<YIELD-ACTUAL>                                    3.43
<LOANS-NON>                                          0
<LOANS-PAST>                                    27,000
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<CHARGE-OFFS>                                        0
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<ALLOWANCE-FOREIGN>                                  0
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