
<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                      18,571,702
<INT-BEARING-DEPOSITS>                         110,000
<FED-FUNDS-SOLD>                                11,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 83,118,908
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    508,480,963
<ALLOWANCE>                                  6,193,712
<TOTAL-ASSETS>                             627,783,524
<DEPOSITS>                                 519,296,084
<SHORT-TERM>                                22,021,389
<LIABILITIES-OTHER>                          6,651,666
<LONG-TERM>                                 35,913,914
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,439,255
<OTHER-SE>                                  32,461,216
<TOTAL-LIABILITIES-AND-EQUITY>             627,783,524
<INTEREST-LOAN>                             39,824,608
<INTEREST-INVEST>                            5,051,795
<INTEREST-OTHER>                                76,408
<INTEREST-TOTAL>                            44,952,811
<INTEREST-DEPOSIT>                          19,026,452
<INTEREST-EXPENSE>                          21,743,913
<INTEREST-INCOME-NET>                       23,208,898
<LOAN-LOSSES>                                1,215,000
<SECURITIES-GAINS>                             (5,827)
<EXPENSE-OTHER>                             25,466,055
<INCOME-PRETAX>                              7,591,839
<INCOME-PRE-EXTRAORDINARY>                   5,230,902
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 5,230,902
<EPS-BASIC>                                       1.28
<EPS-DILUTED>                                     1.28
<YIELD-ACTUAL>                                    4.29
<LOANS-NON>                                  1,403,000
<LOANS-PAST>                                   809,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                             11,245,000
<ALLOWANCE-OPEN>                             5,408,854
<CHARGE-OFFS>                                1,092,441
<RECOVERIES>                                   662,299
<ALLOWANCE-CLOSE>                            6,193,712
<ALLOWANCE-DOMESTIC>                         5,017,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,176,712


</TABLE>
