<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 5,382 <INT-BEARING-DEPOSITS> 53 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 27,842 <INVESTMENTS-CARRYING> 27,842 <INVESTMENTS-MARKET> 27,842 <LOANS> 168,754 <ALLOWANCE> (1,573) <TOTAL-ASSETS> 207,669 <DEPOSITS> 170,063 <SHORT-TERM> 6,525 <LIABILITIES-OTHER> 1,701 <LONG-TERM> 9,100 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 20,080 <TOTAL-LIABILITIES-AND-EQUITY> 207,669 <INTEREST-LOAN> 9,750 <INTEREST-INVEST> 1,246 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 10,996 <INTEREST-DEPOSIT> 4,963 <INTEREST-EXPENSE> 5,299 <INTEREST-INCOME-NET> 5,697 <LOAN-LOSSES> 775 <SECURITIES-GAINS> (3) <EXPENSE-OTHER> 4,823 <INCOME-PRETAX> 1,296 <INCOME-PRE-EXTRAORDINARY> 1,296 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 909 <EPS-BASIC> 1.21 <EPS-DILUTED> 1.21 <YIELD-ACTUAL> 8.10 <LOANS-NON> 779 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,156 <ALLOWANCE-OPEN> 1,106 <CHARGE-OFFS> 400 <RECOVERIES> 92 <ALLOWANCE-CLOSE> 1,573 <ALLOWANCE-DOMESTIC> 1,573 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0