<TABLE> <S> <C>


<ARTICLE>                                                             9
<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>                                                            1,772
<INT-BEARING-DEPOSITS>                                            3,769
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      14,492
<INVESTMENTS-CARRYING>                                                0
<INVESTMENTS-MARKET>                                                  0
<LOANS>                                                          87,042
<ALLOWANCE>                                                         405
<TOTAL-ASSETS>                                                  113,805
<DEPOSITS>                                                       76,819
<SHORT-TERM>                                                          0
<LIABILITIES-OTHER>                                               2,283
<LONG-TERM>                                                      18,000
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                          6,675
<OTHER-SE>                                                       10,028
<TOTAL-LIABILITIES-AND-EQUITY>                                  113,805
<INTEREST-LOAN>                                                   4,707
<INTEREST-INVEST>                                                   601
<INTEREST-OTHER>                                                    188
<INTEREST-TOTAL>                                                  5,496
<INTEREST-DEPOSIT>                                                2,432
<INTEREST-EXPENSE>                                                2,885
<INTEREST-INCOME-NET>                                             2,611
<LOAN-LOSSES>                                                       122
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   1,243
<INCOME-PRETAX>                                                   1,368
<INCOME-PRE-EXTRAORDINARY>                                          871
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        871
<EPS-BASIC>                                                       .73
<EPS-DILUTED>                                                       .72
<YIELD-ACTUAL>                                                     3.52
<LOANS-NON>                                                           0
<LOANS-PAST>                                                        472
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                    285
<CHARGE-OFFS>                                                         2
<RECOVERIES>                                                          0
<ALLOWANCE-CLOSE>                                                   405
<ALLOWANCE-DOMESTIC>                                                  0
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                             405



</TABLE>