<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 5,556 <INT-BEARING-DEPOSITS> 213 <FED-FUNDS-SOLD> 1,957 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,297 <INVESTMENTS-CARRYING> 7,404 <INVESTMENTS-MARKET> 7,202 <LOANS> 204,948 <ALLOWANCE> 2,037 <TOTAL-ASSETS> 284,371 <DEPOSITS> 242,953 <SHORT-TERM> 3,500 <LIABILITIES-OTHER> 1,481 <LONG-TERM> 10,413 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,019 <OTHER-SE> 20,005 <TOTAL-LIABILITIES-AND-EQUITY> 284,371 <INTEREST-LOAN> 12,766 <INTEREST-INVEST> 2,184 <INTEREST-OTHER> 86 <INTEREST-TOTAL> 15,036 <INTEREST-DEPOSIT> 6,674 <INTEREST-EXPENSE> 6,983 <INTEREST-INCOME-NET> 8,053 <LOAN-LOSSES> 200 <SECURITIES-GAINS> 225 <EXPENSE-OTHER> 6,814 <INCOME-PRETAX> 2,684 <INCOME-PRE-EXTRAORDINARY> 2,684 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,922 <EPS-BASIC> .80 <EPS-DILUTED> .80 <YIELD-ACTUAL> 4.28 <LOANS-NON> 2,412 <LOANS-PAST> 60 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,865 <CHARGE-OFFS> 42 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 2,037 <ALLOWANCE-DOMESTIC> 2,037 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0