<TABLE> <S> <C>


<ARTICLE>                                                                     9
<MULTIPLIER>                                                              1,000

<S>                                                           <C>
<PERIOD-TYPE>                                                           9-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1999
<PERIOD-END>                                                       SEP-30-1999
<CASH>                                                                    7,822
<INT-BEARING-DEPOSITS>                                                   15,393
<FED-FUNDS-SOLD>                                                         10,100
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              32,058
<INVESTMENTS-CARRYING>                                                   32,110
<INVESTMENTS-MARKET>                                                     31,513
<LOANS>                                                                 197,175
<ALLOWANCE>                                                               1,346
<TOTAL-ASSETS>                                                          298,209
<DEPOSITS>                                                              240,923
<SHORT-TERM>                                                              8,000
<LIABILITIES-OTHER>                                                      10,214
<LONG-TERM>                                                                   0
<COMMON>                                                                    532
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<OTHER-SE>                                                               38,540
<TOTAL-LIABILITIES-AND-EQUITY>                                          298,209
<INTEREST-LOAN>                                                          11,223
<INTEREST-INVEST>                                                         2,804
<INTEREST-OTHER>                                                              0
<INTEREST-TOTAL>                                                         14,027
<INTEREST-DEPOSIT>                                                        7,017
<INTEREST-EXPENSE>                                                        7,035
<INTEREST-INCOME-NET>                                                     6,992
<LOAN-LOSSES>                                                               120
<SECURITIES-GAINS>                                                        2,275
<EXPENSE-OTHER>                                                           4,534
<INCOME-PRETAX>                                                           5,053
<INCOME-PRE-EXTRAORDINARY>                                                5,053
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              3,587
<EPS-BASIC>                                                              2.03
<EPS-DILUTED>                                                              2.03
 <YIELD-ACTUAL>                                                            7.55
<LOANS-NON>                                                                  62
<LOANS-PAST>                                                                136
<LOANS-TROUBLED>                                                            126
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                          1,238
<CHARGE-OFFS>                                                                44
<RECOVERIES>                                                                 31
<ALLOWANCE-CLOSE>                                                         1,346
<ALLOWANCE-DOMESTIC>                                                      1,346
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0


</TABLE>