<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JUL-01-1999 <PERIOD-END> SEP-30-1999 <EXCHANGE-RATE> 1 <CASH> 1,604 <INT-BEARING-DEPOSITS> 19,426 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,381 <INVESTMENTS-CARRYING> 220 <INVESTMENTS-MARKET> 231 <LOANS> 331,235 <ALLOWANCE> 2,010 <TOTAL-ASSETS> 376,914 <DEPOSITS> 289,099 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,876 <LONG-TERM> 30,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 34,669 <OTHER-SE> 20,270 <TOTAL-LIABILITIES-AND-EQUITY> 376,914 <INTEREST-LOAN> 6,689 <INTEREST-INVEST> 257 <INTEREST-OTHER> 279 <INTEREST-TOTAL> 7,225 <INTEREST-DEPOSIT> 3,246 <INTEREST-EXPENSE> 3,677 <INTEREST-INCOME-NET> 3,548 <LOAN-LOSSES> 23 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,826 <INCOME-PRETAX> 1,926 <INCOME-PRE-EXTRAORDINARY> 1,214 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,214 <EPS-BASIC> .029 <EPS-DILUTED> 0.28 <YIELD-ACTUAL> 3.86 <LOANS-NON> 1,151 <LOANS-PAST> 792 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,987 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 2,010 <ALLOWANCE-DOMESTIC> 2,010 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0