<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               SEP-30-1999             DEC-31-1998
<CASH>                                          14,249                  15,235
<INT-BEARING-DEPOSITS>                             591                   1,063
<FED-FUNDS-SOLD>                                 2,500                   4,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     96,948                  91,539
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        225,281                 221,349
<ALLOWANCE>                                      3,050                   2,900
<TOTAL-ASSETS>                                 355,514                 334,232
<DEPOSITS>                                     297,668                 282,242
<SHORT-TERM>                                       700                     700
<LIABILITIES-OTHER>                              2,631                   2,265
<LONG-TERM>                                     12,691                  12,416
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           671                     671
<OTHER-SE>                                      36,892                  34,785
<TOTAL-LIABILITIES-AND-EQUITY>                 355,514                 334,232
<INTEREST-LOAN>                                 14,535                  18,488
<INTEREST-INVEST>                                4,146                   4,869
<INTEREST-OTHER>                                   165                     615
<INTEREST-TOTAL>                                18,846                  23,972
<INTEREST-DEPOSIT>                               7,515                  10,397
<INTEREST-EXPENSE>                               8,016                  10,860
<INTEREST-INCOME-NET>                           10,830                  13,112
<LOAN-LOSSES>                                      539                     846
<SECURITIES-GAINS>                                   0                    (19)
<EXPENSE-OTHER>                                  6,105                   7,730
<INCOME-PRETAX>                                  6,506                   7,363
<INCOME-PRE-EXTRAORDINARY>                       4,297                   4,712
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,297                   4,712
<EPS-BASIC>                                       1.30                    1.42
<EPS-DILUTED>                                     1.29                    1.42
<YIELD-ACTUAL>                                    4.55                    4.38
<LOANS-NON>                                        422                     649
<LOANS-PAST>                                     1,643                   1,641
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,900                   2,700
<CHARGE-OFFS>                                      579                     879
<RECOVERIES>                                       190                     233
<ALLOWANCE-CLOSE>                                3,050                   2,900
<ALLOWANCE-DOMESTIC>                             1,675                   1,600
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,375                   1,300


</TABLE>