<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS FOUND
ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE, 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-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           7,863
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,850
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    112,534
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        267,072
<ALLOWANCE>                                      3,756
<TOTAL-ASSETS>                                 402,804
<DEPOSITS>                                     362,024
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,724
<LONG-TERM>                                         39
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           686
<OTHER-SE>                                      36,331
<TOTAL-LIABILITIES-AND-EQUITY>                 402,804
<INTEREST-LOAN>                                 15,724
<INTEREST-INVEST>                                4,853
<INTEREST-OTHER>                                   104
<INTEREST-TOTAL>                                20,681
<INTEREST-DEPOSIT>                              10,304
<INTEREST-EXPENSE>                              10,366
<INTEREST-INCOME-NET>                           10,315
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,026
<INCOME-PRETAX>                                  4,434
<INCOME-PRE-EXTRAORDINARY>                       4,434
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,450
<EPS-BASIC>                                       1.61
<EPS-DILUTED>                                     1.61
<YIELD-ACTUAL>                                    7.79
<LOANS-NON>                                      2,948
<LOANS-PAST>                                     2,945
<LOANS-TROUBLED>                                   153
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,050
<CHARGE-OFFS>                                      467
<RECOVERIES>                                        83
<ALLOWANCE-CLOSE>                                3,756
<ALLOWANCE-DOMESTIC>                             3,756
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>