<TABLE> <S> <C>

<ARTICLE>                                               9
<MULTIPLIER>                                            1

<S>                                                                                                       <C>
<PERIOD-TYPE>                                                                                             YEAR
<FISCAL-YEAR-END>                                                                                         DEC-31-1999
<PERIOD-START>                                                                                            JAN-01-1999
<PERIOD-END>                                                                                              DEC-31-1999
<CASH>                                                                                                      3,394,212
<INT-BEARING-DEPOSITS>                                                                                              0
<FED-FUNDS-SOLD>                                                                                            1,528,000
<TRADING-ASSETS>                                                                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                                                                 3,165,290
<INVESTMENTS-CARRYING>                                                                                      4,777,413
<INVESTMENTS-MARKET>                                                                                        4,728,603
<LOANS>                                                                                                    54,168,453
<ALLOWANCE>                                                                                                 1,422,689
<TOTAL-ASSETS>                                                                                             68,853,304
<DEPOSITS>                                                                                                 60,874,421
<SHORT-TERM>                                                                                                   55,000
<LIABILITIES-OTHER>                                                                                         1,322,291
<LONG-TERM>                                                                                                   500,000
<PREFERRED-MANDATORY>                                                                                               0
<PREFERRED>                                                                                                         0
<COMMON>                                                                                                      416,636
<OTHER-SE>                                                                                                  4,434,956
<TOTAL-LIABILITIES-AND-EQUITY>                                                                             68,853,304
<INTEREST-LOAN>                                                                                             4,708,709
<INTEREST-INVEST>                                                                                             392,979
<INTEREST-OTHER>                                                                                              230,641
<INTEREST-TOTAL>                                                                                            5,332,329
<INTEREST-DEPOSIT>                                                                                          2,200,033
<INTEREST-EXPENSE>                                                                                          2,241,617
<INTEREST-INCOME-NET>                                                                                       3,091,312
<LOAN-LOSSES>                                                                                                       0
<SECURITIES-GAINS>                                                                                                  0
<EXPENSE-OTHER>                                                                                             2,321,139
<INCOME-PRETAX>                                                                                             1,440,392
<INCOME-PRE-EXTRAORDINARY>                                                                                    925,422
<EXTRAORDINARY>                                                                                                     0
<CHANGES>                                                                                                           0
<NET-INCOME>                                                                                                  925,422
<EPS-BASIC>                                                                                                      2.23
<EPS-DILUTED>                                                                                                    2.07
<YIELD-ACTUAL>                                                                                                   5.10
<LOANS-NON>                                                                                                   380,000
<LOANS-PAST>                                                                                                    3,000
<LOANS-TROUBLED>                                                                                                    0
<LOANS-PROBLEM>                                                                                               383,000
<ALLOWANCE-OPEN>                                                                                            1,274,285
<CHARGE-OFFS>                                                                                                  63,359
<RECOVERIES>                                                                                                  211,763
<ALLOWANCE-CLOSE>                                                                                           1,422,689
<ALLOWANCE-DOMESTIC>                                                                                        1,210,689
<ALLOWANCE-FOREIGN>                                                                                                 0
<ALLOWANCE-UNALLOCATED>                                                                                       212,000



</TABLE>