<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This summary financial information is qualified in its entirety by reference to
the Company's financial statements.
</LEGEND>
<MULTIPLIER>                                   1

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-END>                                    DEC-31-1999
<CASH>                                            5,664,252
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                     77,000
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                      18,715,596
<INVESTMENTS-CARRYING>                           26,703,152
<INVESTMENTS-MARKET>                             25,803,856
<LOANS>                                         128,568,201
<ALLOWANCE>                                       1,486,900
<TOTAL-ASSETS>                                  189,332,240
<DEPOSITS>                                      152,211,001
<SHORT-TERM>                                     14,273,042
<LIABILITIES-OTHER>                                 734,396
<LONG-TERM>                                       5,029,000
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                          2,403,945
<OTHER-SE>                                       14,682,856
<TOTAL-LIABILITIES-AND-EQUITY>                  189,332,240
<INTEREST-LOAN>                                  10,871,174
<INTEREST-INVEST>                                 3,374,235
<INTEREST-OTHER>                                          0
<INTEREST-TOTAL>                                 14,245,409
<INTEREST-DEPOSIT>                                5,921,585
<INTEREST-EXPENSE>                                6,674,561
<INTEREST-INCOME-NET>                             7,570,848
<LOAN-LOSSES>                                       308,000
<SECURITIES-GAINS>                                    5,788
<EXPENSE-OTHER>                                   5,927,837
<INCOME-PRETAX>                                   2,674,135
<INCOME-PRE-EXTRAORDINARY>                        2,674,135
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                      1,960,090
<EPS-BASIC>                                            1.02
<EPS-DILUTED>                                          1.02
<YIELD-ACTUAL>                                         8.18
<LOANS-NON>                                         109,000
<LOANS-PAST>                                      1,680,000
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                  1,267,000
<CHARGE-OFFS>                                       126,000
<RECOVERIES>                                         38,000
<ALLOWANCE-CLOSE>                                 1,487,000
<ALLOWANCE-DOMESTIC>                                817,000
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                             670,000



</TABLE>