<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-KSB and is
qualified in its entirety by reference to such financial information.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                          20,554,039
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     28,281,375
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                        285,374,451
<ALLOWANCE>                                      3,995,165
<TOTAL-ASSETS>                                 344,921,135
<DEPOSITS>                                     279,389,882
<SHORT-TERM>                                    15,000,000
<LIABILITIES-OTHER>                              1,005,100
<LONG-TERM>                                     15,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                        36,882,916
<OTHER-SE>                                      (1,960,810)
<TOTAL-LIABILITIES-AND-EQUITY>                 344,921,135
<INTEREST-LOAN>                                 18,379,300
<INTEREST-INVEST>                                1,361,242
<INTEREST-OTHER>                                   260,157
<INTEREST-TOTAL>                                20,000,699
<INTEREST-DEPOSIT>                               8,698,646
<INTEREST-EXPENSE>                               9,428,136
<INTEREST-INCOME-NET>                           10,572,563
<LOAN-LOSSES>                                    1,967,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  9,440,295
<INCOME-PRETAX>                                    693,266
<INCOME-PRE-EXTRAORDINARY>                         693,266
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       693,266
<EPS-BASIC>                                          .22
<EPS-DILUTED>                                          .22
<YIELD-ACTUAL>                                        3.34
<LOANS-NON>                                        101,000
<LOANS-PAST>                                       120,402
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 2,030,000
<CHARGE-OFFS>                                        5,538
<RECOVERIES>                                         3,703
<ALLOWANCE-CLOSE>                                3,995,165
<ALLOWANCE-DOMESTIC>                             3,193,371
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            801,794



</TABLE>