<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           6,674
<INT-BEARING-DEPOSITS>                             103
<FED-FUNDS-SOLD>                                 2,380
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     35,460
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        133,804
<ALLOWANCE>                                      1,178
<TOTAL-ASSETS>                                 187,393
<DEPOSITS>                                     167,217
<SHORT-TERM>                                     6,467
<LIABILITIES-OTHER>                              1,816
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            99
<OTHER-SE>                                      11,793
<TOTAL-LIABILITIES-AND-EQUITY>                 187,392
<INTEREST-LOAN>                                  9,097
<INTEREST-INVEST>                                1,291
<INTEREST-OTHER>                                   337
<INTEREST-TOTAL>                                10,725
<INTEREST-DEPOSIT>                               5,403
<INTEREST-EXPENSE>                               5,496
<INTEREST-INCOME-NET>                            5,229
<LOAN-LOSSES>                                      296
<SECURITIES-GAINS>                                  68
<EXPENSE-OTHER>                                  4,475
<INCOME-PRETAX>                                  1,109
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       719
<EPS-BASIC>                                      .77
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                    4.0
<LOANS-NON>                                        189
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    656
<ALLOWANCE-OPEN>                                   943
<CHARGE-OFFS>                                       63
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                1,178
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>