<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANICAL 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>                                           8,707
<INT-BEARING-DEPOSITS>                             161
<FED-FUNDS-SOLD>                                 6,475
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     17,901
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        167,587
<ALLOWANCE>                                      2,410
<TOTAL-ASSETS>                                 203,016
<DEPOSITS>                                     169,788
<SHORT-TERM>                                       750
<LIABILITIES-OTHER>                                936
<LONG-TERM>                                     13,005
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,527
<OTHER-SE>                                       5,010
<TOTAL-LIABILITIES-AND-EQUITY>                 203,016
<INTEREST-LOAN>                                 10,229
<INTEREST-INVEST>                                  536
<INTEREST-OTHER>                                   307
<INTEREST-TOTAL>                                11,072
<INTEREST-DEPOSIT>                               4,508
<INTEREST-EXPENSE>                               5,132
<INTEREST-INCOME-NET>                            5,940
<LOAN-LOSSES>                                      392
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  3,177
<INCOME-PRETAX>                                  2,624
<INCOME-PRE-EXTRAORDINARY>                       1,707
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,707
<EPS-BASIC>                                       1.39
<EPS-DILUTED>                                     1.27
<YIELD-ACTUAL>                                    4.27
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    437
<ALLOWANCE-OPEN>                                 2,055
<CHARGE-OFFS>                                       43
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                2,410
<ALLOWANCE-DOMESTIC>                             2,410
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            597


</TABLE>