<TABLE> <S> <C>


<ARTICLE>                                                                      9
<LEGEND>
         THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
         REGISTRANT'S  SEPTEMBER  30, 1999  UNAUDITED  STATEMENT  OF  CONDITION,
         STATEMENT OF OPERATION AND STATEMENT OF CASH FLOWS,  AND NOTES THERETO,
         AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO  SUCH  FINANCIAL
         STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                               1,000
<CURRENCY>                                                                    US

<S>                                         <C>
<PERIOD-TYPE>                                9-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1999
<PERIOD-START>                                                       JAN-01-1999
<PERIOD-END>                                                         SEP-30-1999
<EXCHANGE-RATE>                                                                1
<CASH>                                                                    20,851
<INT-BEARING-DEPOSITS>                                                     3,143
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               67,080
<INVESTMENTS-CARRYING>                                                    49,535
<INVESTMENTS-MARKET>                                                      47,929
<LOANS>                                                                  244,687
<ALLOWANCE>                                                                4,071
<TOTAL-ASSETS>                                                           391,875
<DEPOSITS>                                                               311,519
<SHORT-TERM>                                                              16,934
<LIABILITIES-OTHER>                                                        2,691
<LONG-TERM>                                                               31,925
<COMMON>                                                                      27
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<OTHER-SE>                                                                28,779
<TOTAL-LIABILITIES-AND-EQUITY>                                           391,875
<INTEREST-LOAN>                                                           12,846
<INTEREST-INVEST>                                                          5,236
<INTEREST-OTHER>                                                             295
<INTEREST-TOTAL>                                                          18,377
<INTEREST-DEPOSIT>                                                         5,482
<INTEREST-EXPENSE>                                                         7,305
<INTEREST-INCOME-NET>                                                     11,072
<LOAN-LOSSES>                                                                207
<SECURITIES-GAINS>                                                             3
<EXPENSE-OTHER>                                                            8,473
<INCOME-PRETAX>                                                            4,167
<INCOME-PRE-EXTRAORDINARY>                                                 2,786
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               2,786
<EPS-BASIC>                                                               1.05
<EPS-DILUTED>                                                               1.01
<YIELD-ACTUAL>                                                              6.96
<LOANS-NON>                                                                2,087
<LOANS-PAST>                                                                 197
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           3,839
<CHARGE-OFFS>                                                                 33
<RECOVERIES>                                                                  58
<ALLOWANCE-CLOSE>                                                          4,071
<ALLOWANCE-DOMESTIC>                                                       4,071
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0


</TABLE>