<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