WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  



<ARTICLE>                     9
<MULTIPLIER>                                   1,000


                                            
<PERIOD-TYPE>                                  9-Mos
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-END>                                   Sep-30-1999
<CASH>                                          14,284
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,911
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     77,269
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        352,236
<ALLOWANCE>                                     (4,079)
<TOTAL-ASSETS>                                 449,838
<DEPOSITS>                                     386,157
<SHORT-TERM>                                    15,000
<LIABILITIES-OTHER>                              2,330
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,584
<OTHER-SE>                                      41,767
<TOTAL-LIABILITIES-AND-EQUITY>                 449,838
<INTEREST-LOAN>                                 18,860
<INTEREST-INVEST>                                4,053
<INTEREST-OTHER>                                   215
<INTEREST-DEPOSIT>                              11,278
<INTEREST-EXPENSE>                              11,952
<INTEREST-INCOME-NET>                           11,176
<LOAN-LOSSES>                                      771
<INCOME-OTHER>                                   1,470
<SECURITIES-GAINS>                                  58
<EXPENSE-OTHER>                                  8,871
<INCOME-PRETAX>                                  3,004
<INCOME-PRE-EXTRAORDINARY>                       3,004
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,938
<EPS-BASIC>                                    $0.51
<EPS-DILUTED>                                    $0.48
<YIELD-ACTUAL>                                    .076
<LOANS-NON>                                        569
<LOANS-PAST>                                       135
<LOANS-TROUBLED>                                    --
<LOANS-PROBLEM>                                  1,986
<ALLOWANCE-OPEN>                                 3,410
<CHARGE-OFFS>                                      102
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                4,079
<ALLOWANCE-DOMESTIC>                             4,079
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            250