<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT  ON FORM  10-KSB  FOR THE  FISCAL  YEAR  ENDED  DECEMBER  31,1999  AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1

<S>                                           <C>
<PERIOD-TYPE>                                      12-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-END>                                    DEC-31-1999
<CASH>                                            2,960,502
<INT-BEARING-DEPOSITS>                            3,038,701
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                      33,192,217
<INVESTMENTS-CARRYING>                              456,511
<INVESTMENTS-MARKET>                                      0
<LOANS>                                         210,161,276
<ALLOWANCE>                                       1,766,700
<TOTAL-ASSETS>                                  254,746,818
<DEPOSITS>                                      143,211,593
<SHORT-TERM>                                     40,753,919
<LIABILITIES-OTHER>                               1,126,007
<LONG-TERM>                                      44,000,000
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                             26,407
<OTHER-SE>                                       25,628,892
<TOTAL-LIABILITIES-AND-EQUITY>                  254,746,818
<INTEREST-LOAN>                                  15,805,546
<INTEREST-INVEST>                                 1,717,165
<INTEREST-OTHER>                                    198,964
<INTEREST-TOTAL>                                 17,721,675
<INTEREST-DEPOSIT>                                5,569,243
<INTEREST-EXPENSE>                                9,845,483
<INTEREST-INCOME-NET>                             7,876,192
<LOAN-LOSSES>                                       448,647
<SECURITIES-GAINS>                                        0
<EXPENSE-OTHER>                                   4,194,447
<INCOME-PRETAX>                                   4,065,225
<INCOME-PRE-EXTRAORDINARY>                        2,589,937
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                      2,589,937
<EPS-BASIC>                                            1.59
<EPS-DILUTED>                                          1.54
<YIELD-ACTUAL>                                            0
<LOANS-NON>                                       1,710,000
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                     43,000
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                  1,454,000
<CHARGE-OFFS>                                       186,000
<RECOVERIES>                                         50,000
<ALLOWANCE-CLOSE>                                 1,766,000
<ALLOWANCE-DOMESTIC>                              1,554,700
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                             212,000


</TABLE>