<ARTICLE> 9 <LEGEND> THIS SCHEDULE OF FINANCIAL INFORMATION IS EXTRACTED FROM THE SEPTEMBER 30, 1999 10-Q AND QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 11,899 <INT-BEARING-DEPOSITS> 7,320 <FED-FUNDS-SOLD> 150 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 117,274 <INVESTMENTS-CARRYING> 25,185 <INVESTMENTS-MARKET> 25,157 <LOANS> 286,629 <ALLOWANCE> 2,918 <TOTAL-ASSETS> 462,673 <DEPOSITS> 406,985 <SHORT-TERM> 559 <LIABILITIES-OTHER> 3,987 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,792 <OTHER-SE> 42,350 <TOTAL-LIABILITIES-AND-EQUITY> 462,673 <INTEREST-LOAN> 17,612 <INTEREST-INVEST> 6,901 <INTEREST-OTHER> 88 <INTEREST-TOTAL> 24,601 <INTEREST-DEPOSIT> 10,254 <INTEREST-EXPENSE> 10,260 <INTEREST-INCOME-NET> 14,341 <LOAN-LOSSES> 840 <SECURITIES-GAINS> 24 <EXPENSE-OTHER> 8,897 <INCOME-PRETAX> 7,182 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,283 <EPS-BASIC> 1.45 <EPS-DILUTED> 1.45 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0