<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>                                                         7,896
<INT-BEARING-DEPOSITS>                                           157
<FED-FUNDS-SOLD>                                               5,707
<TRADING-ASSETS>                                                 187
<INVESTMENTS-HELD-FOR-SALE>                                   10,204
<INVESTMENTS-CARRYING>                                        14,778
<INVESTMENTS-MARKET>                                          14,506
<LOANS>                                                      147,221
<ALLOWANCE>                                                    2,181
<TOTAL-ASSETS>                                               203,254
<DEPOSITS>                                                   171,553
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            2,096
<LONG-TERM>                                                      630
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                      100
<COMMON>                                                          42
<OTHER-SE>                                                    16,232
<TOTAL-LIABILITIES-AND-EQUITY>                               203,254
<INTEREST-LOAN>                                                9,167
<INTEREST-INVEST>                                              1,292
<INTEREST-OTHER>                                                 204
<INTEREST-TOTAL>                                              10,663
<INTEREST-DEPOSIT>                                             3,567
<INTEREST-EXPENSE>                                             4,223
<INTEREST-INCOME-NET>                                          6,440
<LOAN-LOSSES>                                                    610
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                7,183
<INCOME-PRETAX>                                                2,473
<INCOME-PRE-EXTRAORDINARY>                                     2,473
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   1,581
<EPS-BASIC>                                                   0.38
<EPS-DILUTED>                                                   0.37
<YIELD-ACTUAL>                                                  5.30
<LOANS-NON>                                                    1,915
<LOANS-PAST>                                                     383
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               1,984
<CHARGE-OFFS>                                                    438
<RECOVERIES>                                                      25
<ALLOWANCE-CLOSE>                                              2,181
<ALLOWANCE-DOMESTIC>                                           2,181
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          278


</TABLE>