<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR                   1-MO
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1999             JAN-01-1998             DEC-22-1997
<PERIOD-END>                               DEC-31-1999             DEC-31-1998             DEC-31-1997
<CASH>                                         137,391                 106,546                     268
<INT-BEARING-DEPOSITS>                         754,320                       0                       0
<FED-FUNDS-SOLD>                                     0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                 17,108,295              15,028,748                       0
<INVESTMENTS-CARRYING>                         104,223                 181,089                       0
<INVESTMENTS-MARKET>                            51,437                  67,278                       0
<LOANS>                                     23,520,412              25,045,927              41,488,700
<ALLOWANCE>                                   (12,000)                (12,000)                       0
<TOTAL-ASSETS>                              42,091,167              42,559,875              41,744,825
<DEPOSITS>                                           0                       0                       0
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                            686,847                 962,105                  53,207
<LONG-TERM>                                          0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                 20,700,000              20,700,000              20,700,000
<COMMON>                                     6,623,100               6,623,100               6,623,100
<OTHER-SE>                                  14,081,220              14,274,670              14,319,178
<TOTAL-LIABILITIES-AND-EQUITY>              42,091,167              42,559,875              41,744,825
<INTEREST-LOAN>                              1,892,445               2,879,251                 102,547
<INTEREST-INVEST>                              850,352                 197,275                       0
<INTEREST-OTHER>                                20,577                       0                       0
<INTEREST-TOTAL>                             2,763,374               3,076,526                 102,547
<INTEREST-DEPOSIT>                                   0                       0                       0
<INTEREST-EXPENSE>                                   0                       0                       0
<INTEREST-INCOME-NET>                        2,763,374               3,076,526                 102,547
<LOAN-LOSSES>                                        0                  12,000                       0
<SECURITIES-GAINS>                                   0                       0                       0
<EXPENSE-OTHER>                                296,127                 300,974                       0
<INCOME-PRETAX>                              2,467,247               2,763,552                 102,547
<INCOME-PRE-EXTRAORDINARY>                   2,467,247               2,763,552                 102,547
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                 2,467,247               2,763,552                 102,547
<EPS-BASIC>                                      30.18                   43.58                    2.41
<EPS-DILUTED>                                    30.18                   43.58                    2.41
<YIELD-ACTUAL>                                    7.26                    8.66                    8.20
<LOANS-NON>                                          0                       0                       0
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                     0                       0                       0
<CHARGE-OFFS>                                        0                       0                       0
<RECOVERIES>                                         0                       0                       0
<ALLOWANCE-CLOSE>                                    0                       0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0                       0
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0


</TABLE>