<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CURRENT
REPORT ON FORM 10Q FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> USD

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                   1.00
<CASH>                                           4,710
<INT-BEARING-DEPOSITS>                           3,401
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,928
<INVESTMENTS-CARRYING>                          57,013
<INVESTMENTS-MARKET>                            55,928
<LOANS>                                        184,440
<ALLOWANCE>                                      1,634
<TOTAL-ASSETS>                                 265,807
<DEPOSITS>                                     167,212
<SHORT-TERM>                                    43,393
<LIABILITIES-OTHER>                              2,742
<LONG-TERM>                                     22,766
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        28,002
<OTHER-SE>                                       1,692
<TOTAL-LIABILITIES-AND-EQUITY>                 265,807
<INTEREST-LOAN>                                 10,074
<INTEREST-INVEST>                                2,488
<INTEREST-OTHER>                                   147
<INTEREST-TOTAL>                                12,709
<INTEREST-DEPOSIT>                               5,079
<INTEREST-EXPENSE>                               6,942
<INTEREST-INCOME-NET>                            5,767
<LOAN-LOSSES>                                      168
<SECURITIES-GAINS>                                  30
<EXPENSE-OTHER>                                  5,209
<INCOME-PRETAX>                                  2,995
<INCOME-PRE-EXTRAORDINARY>                       2,995
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,841
<EPS-BASIC>                                       1.09
<EPS-DILUTED>                                     1.09
<YIELD-ACTUAL>                                    7.25
<LOANS-NON>                                          4
<LOANS-PAST>                                       122
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,609
<CHARGE-OFFS>                                       61
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                1,634
<ALLOWANCE-DOMESTIC>                             1,634
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0