<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 6,743 <INT-BEARING-DEPOSITS> 7,929 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 35,844 <INVESTMENTS-CARRYING> 21,395 <INVESTMENTS-MARKET> 20,820 <LOANS> 191,187 <ALLOWANCE> 1,819 <TOTAL-ASSETS> 272,269 <DEPOSITS> 203,023 <SHORT-TERM> 48,000 <LIABILITIES-OTHER> 4,807 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 253 <OTHER-SE> 16,186 <TOTAL-LIABILITIES-AND-EQUITY> 272,269 <INTEREST-LOAN> 10,816 <INTEREST-INVEST> 2,416 <INTEREST-OTHER> 137 <INTEREST-TOTAL> 13,369 <INTEREST-DEPOSIT> 4,844 <INTEREST-EXPENSE> 6,925 <INTEREST-INCOME-NET> 6,444 <LOAN-LOSSES> 100 <SECURITIES-GAINS> 65 <EXPENSE-OTHER> 5,318 <INCOME-PRETAX> 3,401 <INCOME-PRE-EXTRAORDINARY> 2,381 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,381 <EPS-BASIC> .97 <EPS-DILUTED> .94 <YIELD-ACTUAL> 6.90 <LOANS-NON> 91 <LOANS-PAST> 0 <LOANS-TROUBLED> 38 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,742 <CHARGE-OFFS> 53 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 1,819 <ALLOWANCE-DOMESTIC> 1,819 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0