<ARTICLE> 9 Enter the text in red <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 14568 <INT-BEARING-DEPOSITS> 2497 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 129069 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 277053 <ALLOWANCE> 3797 <TOTAL-ASSETS> 435069 <DEPOSITS> 333725 <SHORT-TERM> 30590 <LIABILITIES-OTHER> 2625 <LONG-TERM> 29003 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3045 <OTHER-SE> 36080 <TOTAL-LIABILITIES-AND-EQUITY> 435069 <INTEREST-LOAN> 16330 <INTEREST-INVEST> 5144 <INTEREST-OTHER> 274 <INTEREST-TOTAL> 21748 <INTEREST-DEPOSIT> 8830 <INTEREST-EXPENSE> 2161 <INTEREST-INCOME-NET> 10757 <LOAN-LOSSES> 575 <SECURITIES-GAINS> 188 <EXPENSE-OTHER> 8850 <INCOME-PRETAX> 4694 <INCOME-PRE-EXTRAORDINARY> 4694 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3804 <EPS-BASIC> 1.39 <EPS-DILUTED> 1.37 <YIELD-ACTUAL> 7.55 <LOANS-NON> 2792 <LOANS-PAST> 558 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3549 <CHARGE-OFFS> 415 <RECOVERIES> 88 <ALLOWANCE-CLOSE> 3797 <ALLOWANCE-DOMESTIC> 3797 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0