<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE 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 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>                                           8,631
<INT-BEARING-DEPOSITS>                              21
<FED-FUNDS-SOLD>                                 2,611
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,761
<INVESTMENTS-CARRYING>                          76,690
<INVESTMENTS-MARKET>                            76,273
<LOANS>                                        191,159
<ALLOWANCE>                                      3,356
<TOTAL-ASSETS>                                 318,584
<DEPOSITS>                                     264,692
<SHORT-TERM>                                    11,074
<LIABILITIES-OTHER>                                968
<LONG-TERM>                                      8,918
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,630
<OTHER-SE>                                      16,302
<TOTAL-LIABILITIES-AND-EQUITY>                 318,584
<INTEREST-LOAN>                                 13,098
<INTEREST-INVEST>                                3,958
<INTEREST-OTHER>                                   560
<INTEREST-TOTAL>                                17,616
<INTEREST-DEPOSIT>                               8,205
<INTEREST-EXPENSE>                               8,751
<INTEREST-INCOME-NET>                            8,865
<LOAN-LOSSES>                                      949
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,482
<INCOME-PRETAX>                                  4,021
<INCOME-PRE-EXTRAORDINARY>                       4,021
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,150
<EPS-BASIC>                                       1.19
<EPS-DILUTED>                                     1.19
<YIELD-ACTUAL>                                    3.96
<LOANS-NON>                                        935
<LOANS-PAST>                                       887
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,888
<CHARGE-OFFS>                                      520
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                3,356
<ALLOWANCE-DOMESTIC>                             2,850
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            506


</TABLE>