<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FOUND ON PAGES 2 AND 3 OF THE COMPANY'S FORM 10-Q FOR SEPTEMBER 30,1999 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> 27,141 <INT-BEARING-DEPOSITS> 300 <FED-FUNDS-SOLD> 3,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 18,458 <INVESTMENTS-CARRYING> 17,532 <INVESTMENTS-MARKET> 17,165 <LOANS> 261,417 <ALLOWANCE> 3,535 <TOTAL-ASSETS> 340,268 <DEPOSITS> 301,184 <SHORT-TERM> 2,130 <LIABILITIES-OTHER> 2,835 <LONG-TERM> 362 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,897 <OTHER-SE> 13,860 <TOTAL-LIABILITIES-AND-EQUITY> 33,757 <INTEREST-LOAN> 17,728 <INTEREST-INVEST> 1,645 <INTEREST-OTHER> 702 <INTEREST-TOTAL> 20,075 <INTEREST-DEPOSIT> 4,504 <INTEREST-EXPENSE> 4,671 <INTEREST-INCOME-NET> 15,404 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 14,354 <INCOME-PRETAX> 3,112 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,112 <EPS-BASIC> 0.64 <EPS-DILUTED> 0.62 <YIELD-ACTUAL> 6.78 <LOANS-NON> 4,635 <LOANS-PAST> 0 <LOANS-TROUBLED> 4,885 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,592 <CHARGE-OFFS> 549 <RECOVERIES> 192 <ALLOWANCE-CLOSE> 3,535 <ALLOWANCE-DOMESTIC> 3,535 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0