<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
This schedule contains summary financial information extracted from the
Community Independent Bank, Inc. consolidated balance sheet as of December 31,
1999 and the related consolidated statement of income for the year ended
December 31, 1999 and other financial data included within management's
discussion and analysis of financial condition and results of operations as of
and for the year ended December 31, 1999 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                           DEC-31-1999
<PERIOD-START>                              JAN-01-1999
<PERIOD-END>                                DEC-31-1999
<CASH>                                      4,139,228
<INT-BEARING-DEPOSITS>                      13,238
<FED-FUNDS-SOLD>                            0
<TRADING-ASSETS>                            0
<INVESTMENTS-HELD-FOR-SALE>                 13,383,658
<INVESTMENTS-CARRYING>                      0
<INVESTMENTS-MARKET>                        0
<LOANS>                                     85,668,141
<ALLOWANCE>                                  1,211,628
<TOTAL-ASSETS>                              109,535,926
<DEPOSITS>                                  90,596,201
<SHORT-TERM>                                11,132,129
<LIABILITIES-OTHER>                         565,694
<LONG-TERM>                                 0
<PREFERRED-MANDATORY>                       0
<PREFERRED>                                 0
<COMMON>                                    3,493,185
<OTHER-SE>                                  3,748,717
<TOTAL-LIABILITIES-AND-EQUITY>              109,535,926
<INTEREST-LOAN>                             7,164,397
<INTEREST-INVEST>                           725,157
<INTEREST-OTHER>                            63,274
<INTEREST-TOTAL>                            7,952,828
<INTEREST-DEPOSIT>                          3,466,401
<INTEREST-EXPENSE>                          4,013,333
<INTEREST-INCOME-NET>                       3,939,495
<LOAN-LOSSES>                               610,000
<SECURITIES-GAINS>                          0
<EXPENSE-OTHER>                             3,733,474
<INCOME-PRETAX>                             295,344
<INCOME-PRE-EXTRAORDINARY>                  295,344
<EXTRAORDINARY>                             0
<CHANGES>                                   0
<NET-INCOME>                                241,533
<EPS-BASIC>                                 .35
<EPS-DILUTED>                               .35
<YIELD-ACTUAL>                              4.03
<LOANS-NON>                                 2,450,000
<LOANS-PAST>                                584,000
<LOANS-TROUBLED>                            0
<LOANS-PROBLEM>                             2,525,000
<ALLOWANCE-OPEN>                            719,788
<CHARGE-OFFS>                               143,613
<RECOVERIES>                                25,453
<ALLOWANCE-CLOSE>                           1,211,628
<ALLOWANCE-DOMESTIC>                        1,211,628
<ALLOWANCE-FOREIGN>                         0
<ALLOWANCE-UNALLOCATED>                     0


</TABLE>