<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  1999,   (unaudited)  and  the
Consolidated  Statement of Income for the nine months ended  September  30, 1999
(unaudited)  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-END>                                               SEP-30-1999
<CASH>                                                          4,050
<INT-BEARING-DEPOSITS>                                        138,214
<FED-FUNDS-SOLD>                                                9,610
<TRADING-ASSETS>                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                    31,723
<INVESTMENTS-CARRYING>                                          4,221
<INVESTMENTS-MARKET>                                            4,248
<LOANS>                                                       141,953
<ALLOWANCE>                                                     1,578
<TOTAL-ASSETS>                                                206,648
<DEPOSITS>                                                    161,280
<SHORT-TERM>                                                   16,142
<LIABILITIES-OTHER>                                               315
<LONG-TERM>                                                     5,000
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        4,752
<OTHER-SE>                                                     18,308
<TOTAL-LIABILITIES-AND-EQUITY>                                206,648
<INTEREST-LOAN>                                                 7,439
<INTEREST-INVEST>                                               2,186
<INTEREST-OTHER>                                                    0
<INTEREST-TOTAL>                                                9,625
<INTEREST-DEPOSIT>                                              3,804
<INTEREST-EXPENSE>                                              4,244
<INTEREST-INCOME-NET>                                           5,381
<LOAN-LOSSES>                                                     541
<SECURITIES-GAINS>                                                  0
<EXPENSE-OTHER>                                                 4,720
<INCOME-PRETAX>                                                 1,305
<INCOME-PRE-EXTRAORDINARY>                                      1,305
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                      890
<EPS-BASIC>                                                    0.31
<EPS-DILUTED>                                                    0.30
<YIELD-ACTUAL>                                                   4.38
<LOANS-NON>                                                       501
<LOANS-PAST>                                                        0
<LOANS-TROUBLED>                                                  177
<LOANS-PROBLEM>                                                     0
<ALLOWANCE-OPEN>                                                1,093
<CHARGE-OFFS>                                                     101
<RECOVERIES>                                                       45
<ALLOWANCE-CLOSE>                                               1,578
<ALLOWANCE-DOMESTIC>                                            1,578
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                             0


</TABLE>