<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          18,746
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 6,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    116,729
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                           116,729
<LOANS>                                        197,131
<ALLOWANCE>                                      3,668
<TOTAL-ASSETS>                                 350,088
<DEPOSITS>                                     282,799
<SHORT-TERM>                                    31,500
<LIABILITIES-OTHER>                              3,856
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,049
<OTHER-SE>                                      13,045
<TOTAL-LIABILITIES-AND-EQUITY>                 350,088
<INTEREST-LOAN>                                 13,603
<INTEREST-INVEST>                                5,086
<INTEREST-OTHER>                                   691
<INTEREST-TOTAL>                                19,380
<INTEREST-DEPOSIT>                               4,476
<INTEREST-EXPENSE>                               5,144
<INTEREST-INCOME-NET>                            9,076
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  52
<EXPENSE-OTHER>                                  9,884
<INCOME-PRETAX>                                  8,205
<INCOME-PRE-EXTRAORDINARY>                       8,205
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,003
<EPS-BASIC>                                       1.05
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    .063
<LOANS-NON>                                      1,836
<LOANS-PAST>                                       353
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,871
<CHARGE-OFFS>                                      256
<RECOVERIES>                                        53
<ALLOWANCE-CLOSE>                                3,668
<ALLOWANCE-DOMESTIC>                             3,668
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0