<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 11196000 <INT-BEARING-DEPOSITS> 99000 <FED-FUNDS-SOLD> 1500000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57171000 <INVESTMENTS-CARRYING> 11756000 <INVESTMENTS-MARKET> 11703000 <LOANS> 187393 <ALLOWANCE> 4416000 <TOTAL-ASSETS> 287915000 <DEPOSITS> 256799000 <SHORT-TERM> 849000 <LIABILITIES-OTHER> 2316000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19593000 <OTHER-SE> 8358000 <TOTAL-LIABILITIES-AND-EQUITY> 287915000 <INTEREST-LOAN> 15048000 <INTEREST-INVEST> 2472000 <INTEREST-OTHER> 499000 <INTEREST-TOTAL> 18019000 <INTEREST-DEPOSIT> 4811000 <INTEREST-EXPENSE> 4859000 <INTEREST-INCOME-NET> 13160000 <LOAN-LOSSES> 450000 <SECURITIES-GAINS> 30000 <EXPENSE-OTHER> 11534000 <INCOME-PRETAX> 5853000 <INCOME-PRE-EXTRAORDINARY> 5853000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5853000 <EPS-BASIC> 1.40 <EPS-DILUTED> 1.20 <YIELD-ACTUAL> 6.87 <LOANS-NON> 422000 <LOANS-PAST> 6000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 697000 <ALLOWANCE-OPEN> 3919000 <CHARGE-OFFS> 43000 <RECOVERIES> 90000 <ALLOWANCE-CLOSE> 4416000 <ALLOWANCE-DOMESTIC> 2786000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1630000