<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 5561 <INT-BEARING-DEPOSITS> 1792 <FED-FUNDS-SOLD> 24600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 31424 <INVESTMENTS-CARRYING> 10586 <INVESTMENTS-MARKET> 10075 <LOANS> 65905 <ALLOWANCE> 840 <TOTAL-ASSETS> 151698 <DEPOSITS> 112385 <SHORT-TERM> 2025 <LIABILITIES-OTHER> 1669 <LONG-TERM> 20546 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4434 <OTHER-SE> 10639 <TOTAL-LIABILITIES-AND-EQUITY> 151698 <INTEREST-LOAN> 5170 <INTEREST-INVEST> 1889 <INTEREST-OTHER> 565 <INTEREST-TOTAL> 7624 <INTEREST-DEPOSIT> 2384 <INTEREST-EXPENSE> 3401 <INTEREST-INCOME-NET> 4223 <LOAN-LOSSES> 66 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2811 <INCOME-PRETAX> 2258 <INCOME-PRE-EXTRAORDINARY> 1434 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1434 <EPS-BASIC> 0.90 <EPS-DILUTED> 0.80 <YIELD-ACTUAL> 4.19 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1431 <ALLOWANCE-OPEN> 716 <CHARGE-OFFS> 0 <RECOVERIES> 58 <ALLOWANCE-CLOSE> 840 <ALLOWANCE-DOMESTIC> 508 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 332