<ARTICLE> 9 <MULTIPLIER> 1 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <EXCHANGE-RATE> 1 <CASH> 44,554,846 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 24,347,332 <INVESTMENTS-CARRYING> 3,320,677 <INVESTMENTS-MARKET> 3,326,253 <LOANS> 546,897,216 <ALLOWANCE> 10,331,893 <TOTAL-ASSETS> 656,012,325 <DEPOSITS> 522,382,388 <SHORT-TERM> 14,581,000 <LIABILITIES-OTHER> 11,967,088 <LONG-TERM> 46,309,482 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,596,470 <OTHER-SE> 47,175,897 <TOTAL-LIABILITIES-AND-EQUITY> 656,012,325 <INTEREST-LOAN> 52,787,491 <INTEREST-INVEST> 1,599,768 <INTEREST-OTHER> 842,519 <INTEREST-TOTAL> 55,229,778 <INTEREST-DEPOSIT> 18,299,441 <INTEREST-EXPENSE> 19,741,967 <INTEREST-INCOME-NET> 35,487,811 <LOAN-LOSSES> 3,133,379 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 24,610,612 <INCOME-PRETAX> 14,075,102 <INCOME-PRE-EXTRAORDINARY> 14,075,102 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,825,258 <EPS-BASIC> 6.50 <EPS-DILUTED> 6.44 <YIELD-ACTUAL> 6.18 <LOANS-NON> 2,952,188 <LOANS-PAST> 995,752 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 5,857,248 <ALLOWANCE-OPEN> 10,252,508 <CHARGE-OFFS> 4,016,653 <RECOVERIES> 962,659 <ALLOWANCE-CLOSE> 10,331,893 <ALLOWANCE-DOMESTIC> 10,331,893 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0