<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  1999,   (unaudited)  and  the
Consolidated  Statement of Income for the nine months ended  September  30, 1999
(unaudited)  and is qualified  in its  entirety by  reference to such  financial
statements.

</LEGEND>
<MULTIPLIER>                                              1,000

<S>                                                      <C>
<PERIOD-TYPE>                                                    9-MOS
<FISCAL-YEAR-END>                                          DEC-31-1999
<PERIOD-END>                                               SEP-30-1999
<CASH>                                                             6,647
<INT-BEARING-DEPOSITS>                                                95
<FED-FUNDS-SOLD>                                                   6,030
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                       30,759
<INVESTMENTS-CARRYING>                                            13,469
<INVESTMENTS-MARKET>                                              13,041
<LOANS>                                                          151,454
<ALLOWANCE>                                                        1,805
<TOTAL-ASSETS>                                                   214,395
<DEPOSITS>                                                       177,558
<SHORT-TERM>                                                       4,815
<LIABILITIES-OTHER>                                                  933
<LONG-TERM>                                                       11,420
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                          14,205
<OTHER-SE>                                                         5,464
<TOTAL-LIABILITIES-AND-EQUITY>                                   214,395
<INTEREST-LOAN>                                                    8,886
<INTEREST-INVEST>                                                  1,807
<INTEREST-OTHER>                                                     549
<INTEREST-TOTAL>                                                  11,242
<INTEREST-DEPOSIT>                                                 4,438
<INTEREST-EXPENSE>                                                 5,021
<INTEREST-INCOME-NET>                                              6,221
<LOAN-LOSSES>                                                        439
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                    4,427
<INCOME-PRETAX>                                                    2,349
<INCOME-PRE-EXTRAORDINARY>                                         2,349
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                       1,586
<EPS-BASIC>                                                       0.52
<EPS-DILUTED>                                                       0.52
<YIELD-ACTUAL>                                                      4.41
<LOANS-NON>                                                          145
<LOANS-PAST>                                                          56
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                      201
<ALLOWANCE-OPEN>                                                   1,459
<CHARGE-OFFS>                                                        138
<RECOVERIES>                                                          45
<ALLOWANCE-CLOSE>                                                  1,805
<ALLOWANCE-DOMESTIC>                                               1,805
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                                0


</TABLE>