<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          17,252
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                35,925
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     88,863
<INVESTMENTS-CARRYING>                          59,024
<INVESTMENTS-MARKET>                            59,075
<LOANS>                                        256,710
<ALLOWANCE>                                      3,433
<TOTAL-ASSETS>                                 470,121
<DEPOSITS>                                     381,541
<SHORT-TERM>                                    41,274
<LIABILITIES-OTHER>                              2,407
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      38,912
<TOTAL-LIABILITIES-AND-EQUITY>                 470,121
<INTEREST-LOAN>                                 16,048
<INTEREST-INVEST>                                6,370
<INTEREST-OTHER>                                 1,053
<INTEREST-TOTAL>                                23,471
<INTEREST-DEPOSIT>                               8,686
<INTEREST-EXPENSE>                               9,743
<INTEREST-INCOME-NET>                           13,728
<LOAN-LOSSES>                                      530
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,230
<INCOME-PRETAX>                                  7,016
<INCOME-PRE-EXTRAORDINARY>                       4,708
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,708
<EPS-BASIC>                                       7.88<F1>
<EPS-DILUTED>                                     7.88<F1>
<YIELD-ACTUAL>                                    4.43<F1>
<LOANS-NON>                                        610
<LOANS-PAST>                                       143
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    610
<ALLOWANCE-OPEN>                                 3,132
<CHARGE-OFFS>                                      519
<RECOVERIES>                                       290
<ALLOWANCE-CLOSE>                                3,433
<ALLOWANCE-DOMESTIC>                             3,433
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER DOES NOT APPLY TO EPS AND YIELD DATA.
</FN>


</TABLE>