<ARTICLE>  9
<LEGEND>
This schedule contains financial information from the Consolidated Balance Sheet
at  September 30, 1999 (unaudited) and the Consolidated Statements of Income for
the  nine  months  ended  September 30, 1999 (unaudited) and is qualified in its
entirety  by  reference  to  such  statements.
</LEGEND>
<MULTIPLIER>  1
<CURRENCY>  U.S.  Dollars


                                     
<PERIOD-TYPE>                           9-MOS
<FISCAL-YEAR-END>                       DEC-31-1999
<PERIOD-START>                          JAN-01-1999
<PERIOD-END>                            SEP-30-1999
<EXCHANGE-RATE>                         1
<CASH>                                        4774
<INT-BEARING-DEPOSITS>                        3434
<FED-FUNDS-SOLD>                              3030
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  24961
<INVESTMENTS-CARRYING>                       24961
<INVESTMENTS-MARKET>                           938
<LOANS>                                     144252
<ALLOWANCE>                                   2065
<TOTAL-ASSETS>                              186811
<DEPOSITS>                                  158132
<SHORT-TERM>                                  2500
<LIABILITIES-OTHER>                           2313
<LONG-TERM>                                   7000
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                      3056
<OTHER-SE>                                   13810
<TOTAL-LIABILITIES-AND-EQUITY>              186811
<INTEREST-LOAN>                              10014
<INTEREST-INVEST>                             1070
<INTEREST-OTHER>                               162
<INTEREST-TOTAL>                             11246
<INTEREST-DEPOSIT>                            4432
<INTEREST-EXPENSE>                            4841
<INTEREST-INCOME-NET>                         6405
<LOAN-LOSSES>                                  318
<SECURITIES-GAINS>                              22
<EXPENSE-OTHER>                               4774
<INCOME-PRETAX>                               2466
<INCOME-PRE-EXTRAORDINARY>                    2466
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                  1766
<EPS-BASIC>                                  .58
<EPS-DILUTED>                                  .50
<YIELD-ACTUAL>                                   5
<LOANS-NON>                                      0
<LOANS-PAST>                                   267
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                              1827
<CHARGE-OFFS>                                  309
<RECOVERIES>                                   229
<ALLOWANCE-CLOSE>                             2065
<ALLOWANCE-DOMESTIC>                          2065
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                       2065