<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM " THE
     CONSOLIDATED  FINANCIAL  STATEMENTS"  AND IS  QUALIFIED  IN ITS ENTIRETY BY
     REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  SEP-30-1999
<CASH>                                              3,469
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                      100
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        52,203
<INVESTMENTS-CARRYING>                              1,671
<INVESTMENTS-MARKET>                                1,664
<LOANS>                                           111,439
<ALLOWANCE>                                           266
<TOTAL-ASSETS>                                    174,634
<DEPOSITS>                                        103,737
<SHORT-TERM>                                       29,325
<LIABILITIES-OTHER>                                 1,938
<LONG-TERM>                                        10,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                           21,619
<OTHER-SE>                                          8,015
<TOTAL-LIABILITIES-AND-EQUITY>                    174,634
<INTEREST-LOAN>                                     5,375
<INTEREST-INVEST>                                   2,368
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                    7,743
<INTEREST-DEPOSIT>                                  2,668
<INTEREST-EXPENSE>                                  3,596
<INTEREST-INCOME-NET>                               4,147
<LOAN-LOSSES>                                          55
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     2,632
<INCOME-PRETAX>                                     1,688
<INCOME-PRE-EXTRAORDINARY>                          1,688
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        1,019
<EPS-BASIC>                                          0.54
<EPS-DILUTED>                                        0.54
<YIELD-ACTUAL>                                       3.72
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                      215
<CHARGE-OFFS>                                           5
<RECOVERIES>                                            1
<ALLOWANCE-CLOSE>                                     266
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                               266



</TABLE>