<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 14,646 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 31,827 <INVESTMENTS-CARRYING> 130,641 <INVESTMENTS-MARKET> 127,709 <LOANS> 260,774 <ALLOWANCE> (4,903) <TOTAL-ASSETS> 459,046 <DEPOSITS> 292,584 <SHORT-TERM> 75,621 <LIABILITIES-OTHER> 4,622 <LONG-TERM> 37,248 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,287 <OTHER-SE> 41,685 <TOTAL-LIABILITIES-AND-EQUITY> 459,046 <INTEREST-LOAN> 16,113 <INTEREST-INVEST> 7,310 <INTEREST-OTHER> 46 <INTEREST-TOTAL> 23,469 <INTEREST-DEPOSIT> 6,150 <INTEREST-EXPENSE> 10,038 <INTEREST-INCOME-NET> 13,431 <LOAN-LOSSES> 656 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 10,121 <INCOME-PRETAX> 6,871 <INCOME-PRE-EXTRAORDINARY> 6,871 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,583 <EPS-BASIC> 1.33 <EPS-DILUTED> 1.33 <YIELD-ACTUAL> 7.85 <LOANS-NON> 1,737 <LOANS-PAST> 1,547 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,455 <CHARGE-OFFS> 415 <RECOVERIES> 208 <ALLOWANCE-CLOSE> 4,903 <ALLOWANCE-DOMESTIC> 4,903 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,290