<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>                                                  31,545
<INT-BEARING-DEPOSITS>                                     374
<FED-FUNDS-SOLD>                                        12,355
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             48,263
<INVESTMENTS-CARRYING>                                  30,767
<INVESTMENTS-MARKET>                                    30,897
<LOANS>                                                362,501
<ALLOWANCE>                                              5,366
<TOTAL-ASSETS>                                         509,616
<DEPOSITS>                                             442,008
<SHORT-TERM>                                            16,094
<LIABILITIES-OTHER>                                      7,644
<LONG-TERM>                                                  0
<COMMON>                                                 2,173
<PREFERRED-MANDATORY>                                   14,924
<PREFERRED>                                                  0
<OTHER-SE>                                              26,773
<TOTAL-LIABILITIES-AND-EQUITY>                         509,616
<INTEREST-LOAN>                                         25,674
<INTEREST-INVEST>                                        3,906
<INTEREST-OTHER>                                            14
<INTEREST-TOTAL>                                        29,594
<INTEREST-DEPOSIT>                                      12,654
<INTEREST-EXPENSE>                                      12,973
<INTEREST-INCOME-NET>                                   16,621
<LOAN-LOSSES>                                            1,027
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                         17,504
<INCOME-PRETAX>                                          6,144
<INCOME-PRE-EXTRAORDINARY>                               6,144
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             4,335
<EPS-BASIC>                                               2.00
<EPS-DILUTED>                                             1.97
<YIELD-ACTUAL>                                            3.66
<LOANS-NON>                                              2,469
<LOANS-PAST>                                             1,464
<LOANS-TROUBLED>                                           747
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         4,863
<CHARGE-OFFS>                                              753
<RECOVERIES>                                               229
<ALLOWANCE-CLOSE>                                        5,366
<ALLOWANCE-DOMESTIC>                                         0
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                  5,366


</TABLE>