<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at Septemnber 30, 1999 (unaudited) and the
Consolidated Statement of Operations for the nine months ended September 30,
1999 (unaudited) 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-END>                               SEP-30-1999
<CASH>                                           1,367
<INT-BEARING-DEPOSITS>                           2,297
<FED-FUNDS-SOLD>                                 1,097
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,721
<INVESTMENTS-CARRYING>                          34,441
<INVESTMENTS-MARKET>                            31,721
<LOANS>                                         90,387
<ALLOWANCE>                                        231
<TOTAL-ASSETS>                                 130,697
<DEPOSITS>                                      75,478
<SHORT-TERM>                                    17,000
<LIABILITIES-OTHER>                              2,776
<LONG-TERM>                                     24,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            19
<OTHER-SE>                                      11,324
<TOTAL-LIABILITIES-AND-EQUITY>                 130,697
<INTEREST-LOAN>                                  4,695
<INTEREST-INVEST>                                  860
<INTEREST-OTHER>                                   829
<INTEREST-TOTAL>                                 6,547
<INTEREST-DEPOSIT>                               2,398
<INTEREST-EXPENSE>                               1,503
<INTEREST-INCOME-NET>                            3,901
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  75
<EXPENSE-OTHER>                                  2,215
<INCOME-PRETAX>                                    685
<INCOME-PRE-EXTRAORDINARY>                         685
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       418
<EPS-BASIC>                                      .35
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    4.44
<LOANS-TROUBLED>                                     0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   231
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  231
<ALLOWANCE-DOMESTIC>                               231
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            231