<TABLE> <S> <C>

<ARTICLE>                         9
<MULTIPLIER>                      1

<S>                                                     <C>
<PERIOD-TYPE>                                                 3-MOS
<FISCAL-YEAR-END>                                       DEC-31-1999
<PERIOD-END>                                            MAR-31-2000
<CASH>                                                   10,708,543
<INT-BEARING-DEPOSITS>                                      287,676
<FED-FUNDS-SOLD>                                          1,307,000
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                             291,469,167
<INVESTMENTS-CARRYING>                                            0
<INVESTMENTS-MARKET>                                              0
<LOANS>                                                 396,189,345
<ALLOWANCE>                                               3,198,353
<TOTAL-ASSETS>                                          724,660,286
<DEPOSITS>                                              458,417,494
<SHORT-TERM>                                            215,223,595
<LIABILITIES-OTHER>                                       7,948,337
<LONG-TERM>                                              12,650,000
<COMMON>                                                  7,824,185
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<OTHER-SE>                                               22,596,675
<TOTAL-LIABILITIES-AND-EQUITY>                          724,660,286
<INTEREST-LOAN>                                           8,086,983
<INTEREST-INVEST>                                         4,794,049
<INTEREST-OTHER>                                             60,720
<INTEREST-TOTAL>                                         12,941,752
<INTEREST-DEPOSIT>                                        4,909,847
<INTEREST-EXPENSE>                                        8,299,697
<INTEREST-INCOME-NET>                                     4,462,055
<LOAN-LOSSES>                                               180,000
<SECURITIES-GAINS>                                                0
<EXPENSE-OTHER>                                           3,577,616
<INCOME-PRETAX>                                           1,687,993
<INCOME-PRE-EXTRAORDINARY>                                1,340,827
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                              1,340,827
<EPS-BASIC>                                                  0.43
<EPS-DILUTED>                                                  0.43
<YIELD-ACTUAL>                                                 0272
<LOANS-NON>                                               1,153,000
<LOANS-PAST>                                              2,106,000
<LOANS-TROUBLED>                                            346,000
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                                  0
<CHARGE-OFFS>                                                     0
<RECOVERIES>                                                      0
<ALLOWANCE-CLOSE>                                                 0
<ALLOWANCE-DOMESTIC>                                              0
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0


</TABLE>