<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 6,347 <INT-BEARING-DEPOSITS> 3,353 <FED-FUNDS-SOLD> 1,725 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 30,402 <INVESTMENTS-CARRYING> 37,137 <INVESTMENTS-MARKET> 36,875 <LOANS> 151,782 <ALLOWANCE> 1,714 <TOTAL-ASSETS> 237,264 <DEPOSITS> 208,317 <SHORT-TERM> 1,459 <LIABILITIES-OTHER> 997 <LONG-TERM> 4,080 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,405 <OTHER-SE> 14,006 <TOTAL-LIABILITIES-AND-EQUITY> 237,264 <INTEREST-LOAN> 9,748 <INTEREST-INVEST> 2,594 <INTEREST-OTHER> 159 <INTEREST-TOTAL> 12,501 <INTEREST-DEPOSIT> 5,484 <INTEREST-EXPENSE> 175 <INTEREST-INCOME-NET> 6,842 <LOAN-LOSSES> 415 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,502 <INCOME-PRETAX> 2,153 <INCOME-PRE-EXTRAORDINARY> 2,153 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,581 <EPS-BASIC> .48 <EPS-DILUTED> .48 <YIELD-ACTUAL> 7.45 <LOANS-NON> 1,706 <LOANS-PAST> 678 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,476 <ALLOWANCE-OPEN> 1,659 <CHARGE-OFFS> 435 <RECOVERIES> 75 <ALLOWANCE-CLOSE> 1,714 <ALLOWANCE-DOMESTIC> 1,714 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 459