<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1999 <CASH> 9,659 <INT-BEARING-DEPOSITS> 162 <FED-FUNDS-SOLD> 9,171 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 61,554 <INVESTMENTS-CARRYING> 61,554 <INVESTMENTS-MARKET> 61,554 <LOANS> 176,776 <ALLOWANCE> 2,137 <TOTAL-ASSETS> 271,717 <DEPOSITS> 210,677 <SHORT-TERM> 16,085 <LIABILITIES-OTHER> 2,381 <LONG-TERM> 20,822 <COMMON> 215 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 21,752 <TOTAL-LIABILITIES-AND-EQUITY> 271,717 <INTEREST-LOAN> 10,750 <INTEREST-INVEST> 2,408 <INTEREST-OTHER> 256 <INTEREST-TOTAL> 13,414 <INTEREST-DEPOSIT> 4,806 <INTEREST-EXPENSE> 5,896 <INTEREST-INCOME-NET> 7,518 <LOAN-LOSSES> 270 <SECURITIES-GAINS> 256 <EXPENSE-OTHER> 6,051 <INCOME-PRETAX> 3,829 <INCOME-PRE-EXTRAORDINARY> 2,812 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,812 <EPS-BASIC> 1.36 <EPS-DILUTED> 1.36 <YIELD-ACTUAL> 4.69 <LOANS-NON> 70 <LOANS-PAST> 420 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,971 <CHARGE-OFFS> 108 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 2,137 <ALLOWANCE-DOMESTIC> 2,137 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0