<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
Financial Data Schedule - This exhibit is included only in the electronic EDGAR
filing version of this Form 10-K. The financial data schedule is not a separate
financial statement, but a schedule that summarizes certain standard financial
information extracted directly from the financial statements in this filing.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          16,892
<INT-BEARING-DEPOSITS>                          10,308
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     61,884
<INVESTMENTS-CARRYING>                           8,579
<INVESTMENTS-MARKET>                             8,413
<LOANS>                                        137,148
<ALLOWANCE>                                      1,531
<TOTAL-ASSETS>                                 242,704
<DEPOSITS>                                     194,743
<SHORT-TERM>                                    19,167
<LIABILITIES-OTHER>                                602
<LONG-TERM>                                      3,033
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        19,868
<OTHER-SE>                                       5,583
<TOTAL-LIABILITIES-AND-EQUITY>                 242,704
<INTEREST-LOAN>                                  9,353
<INTEREST-INVEST>                                2,602
<INTEREST-OTHER>                                   758
<INTEREST-TOTAL>                                12,713
<INTEREST-DEPOSIT>                               3,884
<INTEREST-EXPENSE>                               4,536
<INTEREST-INCOME-NET>                            8,177
<LOAN-LOSSES>                                      198
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,830
<INCOME-PRETAX>                                  3,927
<INCOME-PRE-EXTRAORDINARY>                       3,927
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,502
<EPS-BASIC>                                        .61
<EPS-DILUTED>                                      .61
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                        892
<LOANS-PAST>                                     3,379
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,419
<CHARGE-OFFS>                                      106
<RECOVERIES>                                        20
<ALLOWANCE-CLOSE>                                1,531
<ALLOWANCE-DOMESTIC>                             1,531
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information not calculated for interim reports.
</FN>


</TABLE>