<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<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>                                          14,346
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                14,215
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     87,297
<INVESTMENTS-CARRYING>                          41,081
<INVESTMENTS-MARKET>                            40,752
<LOANS>                                        269,692
<ALLOWANCE>                                      2,442
<TOTAL-ASSETS>                                 435,371
<DEPOSITS>                                     383,655
<SHORT-TERM>                                     6,990
<LIABILITIES-OTHER>                              1,085
<LONG-TERM>                                      3,973
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      35,889
<TOTAL-LIABILITIES-AND-EQUITY>                 435,371
<INTEREST-LOAN>                                 16,286
<INTEREST-INVEST>                                5,567
<INTEREST-OTHER>                                   260
<INTEREST-TOTAL>                                22,113
<INTEREST-DEPOSIT>                              10,100
<INTEREST-EXPENSE>                              10,499
<INTEREST-INCOME-NET>                           11,614
<LOAN-LOSSES>                                      975
<SECURITIES-GAINS>                                  24
<EXPENSE-OTHER>                                  8,976
<INCOME-PRETAX>                                  5,320
<INCOME-PRE-EXTRAORDINARY>                       3,662
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,662
<EPS-BASIC>                                        .88
<EPS-DILUTED>                                      .88
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                      1,381
<LOANS-PAST>                                        64
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,948
<CHARGE-OFFS>                                      622
<RECOVERIES>                                       141
<ALLOWANCE-CLOSE>                                2,442
<ALLOWANCE-DOMESTIC>                             1,728
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            714


</TABLE>