<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           5,350
<INT-BEARING-DEPOSITS>                             413
<FED-FUNDS-SOLD>                                 3,275
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     35,425
<INVESTMENTS-CARRYING>                           2,797
<INVESTMENTS-MARKET>                             2,798
<LOANS>                                        137,439
<ALLOWANCE>                                      1,342
<TOTAL-ASSETS>                                 193,106
<DEPOSITS>                                     169,060
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                917
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,745
<OTHER-SE>                                      19,384
<TOTAL-LIABILITIES-AND-EQUITY>                 193,106
<INTEREST-LOAN>                                  8,198
<INTEREST-INVEST>                                1,505
<INTEREST-OTHER>                                   460
<INTEREST-TOTAL>                                10,163
<INTEREST-DEPOSIT>                               4,187
<INTEREST-EXPENSE>                               4,271
<INTEREST-INCOME-NET>                            5,892
<LOAN-LOSSES>                                      116
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,516
<INCOME-PRETAX>                                  1,887
<INCOME-PRE-EXTRAORDINARY>                       1,295
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,295
<EPS-BASIC>                                     0.93
<EPS-DILUTED>                                     0.93
<YIELD-ACTUAL>                                    4.22
<LOANS-NON>                                        739
<LOANS-PAST>                                        95
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,336
<CHARGE-OFFS>                                      129
<RECOVERIES>                                        19
<ALLOWANCE-CLOSE>                                1,342
<ALLOWANCE-DOMESTIC>                               942
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            400



</TABLE>