<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT AUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED 12-31-99 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                      10,312,090
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            22,645,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 42,962,734
<INVESTMENTS-CARRYING>                      15,545,733
<INVESTMENTS-MARKET>                        15,152,215
<LOANS>                                    123,695,962
<ALLOWANCE>                                  1,676,274
<TOTAL-ASSETS>                             221,967,244
<DEPOSITS>                                 183,208,451
<SHORT-TERM>                                   524,741
<LIABILITIES-OTHER>                          1,864,624
<LONG-TERM>                                  9,787,762
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,494
<OTHER-SE>                                  17,635,169
<TOTAL-LIABILITIES-AND-EQUITY>             221,967,244
<INTEREST-LOAN>                             11,593,789
<INTEREST-INVEST>                            3,509,584
<INTEREST-OTHER>                               234,819
<INTEREST-TOTAL>                            15,338,192
<INTEREST-DEPOSIT>                           5,903,334
<INTEREST-EXPENSE>                           6,934,655
<INTEREST-INCOME-NET>                        8,403,537
<LOAN-LOSSES>                                  496,000
<SECURITIES-GAINS>                              31,907
<EXPENSE-OTHER>                              6,810,012
<INCOME-PRETAX>                              2,573,538
<INCOME-PRE-EXTRAORDINARY>                   2,573,538
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,947,776
<EPS-BASIC>                                       1.88
<EPS-DILUTED>                                     1.86
<YIELD-ACTUAL>                                    8.48
<LOANS-NON>                                    674,000
<LOANS-PAST>                                    28,000
<LOANS-TROUBLED>                               122,000
<LOANS-PROBLEM>                              2,634,347
<ALLOWANCE-OPEN>                             1,428,492
<CHARGE-OFFS>                                  297,358
<RECOVERIES>                                    49,141
<ALLOWANCE-CLOSE>                            1,676,274
<ALLOWANCE-DOMESTIC>                         1,676,274
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>