<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>                                                           3,853
<INT-BEARING-DEPOSITS>                                           3,454
<FED-FUNDS-SOLD>                                                   500
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                      6,472
<INVESTMENTS-CARRYING>                                           3,410
<INVESTMENTS-MARKET>                                             3,393
<LOANS>                                                        110,918
<ALLOWANCE>                                                      1,537
<TOTAL-ASSETS>                                                 135,156
<DEPOSITS>                                                     113,838
<SHORT-TERM>                                                         0
<LIABILITIES-OTHER>                                              1,528
<LONG-TERM>                                                      2,655
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<COMMON>                                                             0
<OTHER-SE>                                                      17,135
<TOTAL-LIABILITIES-AND-EQUITY>                                 135,156
<INTEREST-LOAN>                                                  6,467
<INTEREST-INVEST>                                                  454
<INTEREST-OTHER>                                                   315
<INTEREST-TOTAL>                                                 7,236
<INTEREST-DEPOSIT>                                               3,382
<INTEREST-EXPENSE>                                               3,455
<INTEREST-INCOME-NET>                                            3,781
<LOAN-LOSSES>                                                      110
<SECURITIES-GAINS>                                                   0
<EXPENSE-OTHER>                                                  3,158
<INCOME-PRETAX>                                                  1,129
<INCOME-PRE-EXTRAORDINARY>                                         665
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                       665
<EPS-BASIC>                                                      .65
<EPS-DILUTED>                                                      .65
<YIELD-ACTUAL>                                                    3.86
<LOANS-NON>                                                         41
<LOANS-PAST>                                                     1,543
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                 1,477
<CHARGE-OFFS>                                                       72
<RECOVERIES>                                                        22
<ALLOWANCE-CLOSE>                                                1,537
<ALLOWANCE-DOMESTIC>                                                 0
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                          1,537



</TABLE>