<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 8,631 <INT-BEARING-DEPOSITS> 21 <FED-FUNDS-SOLD> 2,611 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29,761 <INVESTMENTS-CARRYING> 76,690 <INVESTMENTS-MARKET> 76,273 <LOANS> 191,159 <ALLOWANCE> 3,356 <TOTAL-ASSETS> 318,584 <DEPOSITS> 264,692 <SHORT-TERM> 11,074 <LIABILITIES-OTHER> 968 <LONG-TERM> 8,918 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,630 <OTHER-SE> 16,302 <TOTAL-LIABILITIES-AND-EQUITY> 318,584 <INTEREST-LOAN> 13,098 <INTEREST-INVEST> 3,958 <INTEREST-OTHER> 560 <INTEREST-TOTAL> 17,616 <INTEREST-DEPOSIT> 8,205 <INTEREST-EXPENSE> 8,751 <INTEREST-INCOME-NET> 8,865 <LOAN-LOSSES> 949 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,482 <INCOME-PRETAX> 4,021 <INCOME-PRE-EXTRAORDINARY> 4,021 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,150 <EPS-BASIC> 1.19 <EPS-DILUTED> 1.19 <YIELD-ACTUAL> 3.96 <LOANS-NON> 935 <LOANS-PAST> 887 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,888 <CHARGE-OFFS> 520 <RECOVERIES> 29 <ALLOWANCE-CLOSE> 3,356 <ALLOWANCE-DOMESTIC> 2,850 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 506