<TABLE> <S> <C>

<ARTICLE>                                           9
<LEGEND>
The Consolidated balance sheets and consolidated statements of operations of the
company's form 10-Q for the year to date
</LEGEND>
<MULTIPLIER>                                                 1,000

<S>                                                 <C>
<PERIOD-TYPE>                                       9-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-END>                                        SEP-30-1999
<CASH>                                                      10,307
<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                            12,395
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 85,025
<INVESTMENTS-CARRYING>                                           0
<INVESTMENTS-MARKET>                                             0
<LOANS>                                                    171,074
<ALLOWANCE>                                                  2,576
<TOTAL-ASSETS>                                             308,052
<DEPOSITS>                                                 260,241
<SHORT-TERM>                                                13,567
<LIABILITIES-OTHER>                                          2,243
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                    23,405
<OTHER-SE>                                                   5,315
<TOTAL-LIABILITIES-AND-EQUITY>                             308,052
<INTEREST-LOAN>                                             11,060
<INTEREST-INVEST>                                            3,395
<INTEREST-OTHER>                                               696
<INTEREST-TOTAL>                                            15,151
<INTEREST-DEPOSIT>                                           5,465
<INTEREST-EXPENSE>                                           5,826
<INTEREST-INCOME-NET>                                        9,325
<LOAN-LOSSES>                                                  385
<SECURITIES-GAINS>                                             183
<EXPENSE-OTHER>                                             10,636
<INCOME-PRETAX>                                              2,313
<INCOME-PRE-EXTRAORDINARY>                                   1,589
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 1,589
<EPS-BASIC>                                                 0.34
<EPS-DILUTED>                                                 0.34
<YIELD-ACTUAL>                                                4.71
<LOANS-NON>                                                  1,427
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             2,294
<CHARGE-OFFS>                                                  161
<RECOVERIES>                                                    57
<ALLOWANCE-CLOSE>                                            2,576
<ALLOWANCE-DOMESTIC>                                             0
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0



</TABLE>