<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 15,184 <INT-BEARING-DEPOSITS> 286 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,679 <INVESTMENTS-CARRYING> 2,000 <INVESTMENTS-MARKET> 2,002 <LOANS> 131,089 <ALLOWANCE> 1,406 <TOTAL-ASSETS> 190,865 <DEPOSITS> 174,769 <SHORT-TERM> 750 <LIABILITIES-OTHER> 1,402 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,095 <OTHER-SE> 3,849 <TOTAL-LIABILITIES-AND-EQUITY> 190,865 <INTEREST-LOAN> 9,365 <INTEREST-INVEST> 1,342 <INTEREST-OTHER> 274 <INTEREST-TOTAL> 10,981 <INTEREST-DEPOSIT> 3,227 <INTEREST-EXPENSE> 3,257 <INTEREST-INCOME-NET> 7,724 <LOAN-LOSSES> 245 <SECURITIES-GAINS> 12 <EXPENSE-OTHER> 5,339 <INCOME-PRETAX> 2,918 <INCOME-PRE-EXTRAORDINARY> 2,918 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,716 <EPS-BASIC> .83 <EPS-DILUTED> .79 <YIELD-ACTUAL> 9.04 <LOANS-NON> 1,737 <LOANS-PAST> 40 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,117 <CHARGE-OFFS> 28 <RECOVERIES> 72 <ALLOWANCE-CLOSE> 1,406 <ALLOWANCE-DOMESTIC> 1,205 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 201