<TABLE> <S> <C>

<ARTICLE>                  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE  FISCAL  QUARTER  ENDED  SEPTEMBER  30,  1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                      1000

<S>                                       <C>

<PERIOD-TYPE>                                    9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                             521
<INT-BEARING-DEPOSITS>                             257
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     42,446
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         68,104
<ALLOWANCE>                                        251
<TOTAL-ASSETS>                                 115,812
<DEPOSITS>                                      56,461
<SHORT-TERM>                                     5,714
<LIABILITIES-OTHER>                              1,386
<LONG-TERM>                                     32,229
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            22
<OTHER-SE>                                      18,939
<TOTAL-LIABILITIES-AND-EQUITY>                 115,812
<INTEREST-LOAN>                                  3,705
<INTEREST-INVEST>                                1,995
<INTEREST-OTHER>                                   148
<INTEREST-TOTAL>                                 5,848
<INTEREST-DEPOSIT>                               1,753
<INTEREST-EXPENSE>                               1,245
<INTEREST-INCOME-NET>                            2,998
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 (57)
<EXPENSE-OTHER>                                  1,183
<INCOME-PRETAX>                                  1,670
<INCOME-PRE-EXTRAORDINARY>                       1,670
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,215
<EPS-BASIC>                                     0.76
<EPS-DILUTED>                                     0.76
<YIELD-ACTUAL>                                    3.49
<LOANS-NON>                                        475
<LOANS-PAST>                                     2,355
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   258
<CHARGE-OFFS>                                        7
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  251
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>