<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-1999
<CASH>                                         619,877               2,579,427
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 16,475,586              13,875,481
<INVESTMENTS-CARRYING>                      16,475,586              13,875,481
<INVESTMENTS-MARKET>                        16,475,586              13,875,481
<LOANS>                                     23,972,046              25,160,693
<ALLOWANCE>                                   (12,000)                (12,000)
<TOTAL-ASSETS>                              41,613,301              41,976,506
<DEPOSITS>                                           0                       0
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              5,575                 208,465
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                 20,700,000              20,700,000
<COMMON>                                     6,623,100               6,623,100
<OTHER-SE>                                  14,319,178              14,444,941
<TOTAL-LIABILITIES-AND-EQUITY>              41,613,301              41,976,506
<INTEREST-LOAN>                                488,344                 504,671
<INTEREST-INVEST>                              271,012                 185,697
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                               759,356                 690,368
<INTEREST-DEPOSIT>                                   0                       0
<INTEREST-EXPENSE>                                   0                       0
<INTEREST-INCOME-NET>                          759,356                 690,368
<LOAN-LOSSES>                                        0                (12,000)
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 74,315                  75,757
<INCOME-PRETAX>                                685,041                 614,611
<INCOME-PRE-EXTRAORDINARY>                     685,041                 614,611
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   685,041                 614,611
<EPS-BASIC>                                      10.64                    7.45
<EPS-DILUTED>                                    10.64                    7.45
<YIELD-ACTUAL>                                    7.33                    8.19
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>