<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> 23,001 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 21,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 10,993 <INVESTMENTS-CARRYING> 14,736 <INVESTMENTS-MARKET> 14,563 <LOANS> 269,265 <ALLOWANCE> 2,543 <TOTAL-ASSETS> 367,713 <DEPOSITS> 336,995 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,213 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,777 <OTHER-SE> 15,728 <TOTAL-LIABILITIES-AND-EQUITY> 367,713 <INTEREST-LOAN> 18,304 <INTEREST-INVEST> 1,019 <INTEREST-OTHER> 807 <INTEREST-TOTAL> 20,130 <INTEREST-DEPOSIT> 8,346 <INTEREST-EXPENSE> 8,419 <INTEREST-INCOME-NET> 11,711 <LOAN-LOSSES> 361 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 25,529 <INCOME-PRETAX> 3,869 <INCOME-PRE-EXTRAORDINARY> 3,869 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,184 <EPS-BASIC> 0.86 <EPS-DILUTED> 0.85 <YIELD-ACTUAL> 5.38 <LOANS-NON> 2,598 <LOANS-PAST> 49 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,249 <ALLOWANCE-OPEN> 2,300 <CHARGE-OFFS> 212 <RECOVERIES> 94 <ALLOWANCE-CLOSE> 2,543 <ALLOWANCE-DOMESTIC> 2,196 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 347