<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