<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 10,356 <INT-BEARING-DEPOSITS> 1,431 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,442 <INVESTMENTS-CARRYING> 14,568 <INVESTMENTS-MARKET> 14,333 <LOANS> 172,725 <ALLOWANCE> 2,177 <TOTAL-ASSETS> 248,223 <DEPOSITS> 205,745 <SHORT-TERM> 10,592 <LIABILITIES-OTHER> 1,338 <LONG-TERM> 9,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 19,743 <TOTAL-LIABILITIES-AND-EQUITY> 248,223 <INTEREST-LOAN> 10,261 <INTEREST-INVEST> 2,606 <INTEREST-OTHER> 140 <INTEREST-TOTAL> 13,007 <INTEREST-DEPOSIT> 5,659 <INTEREST-EXPENSE> 6,351 <INTEREST-INCOME-NET> 6,656 <LOAN-LOSSES> 255 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,270 <INCOME-PRETAX> 3,139 <INCOME-PRE-EXTRAORDINARY> 3,139 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,116 <EPS-BASIC> 2.40 <EPS-DILUTED> 2.40 <YIELD-ACTUAL> 4.25 <LOANS-NON> 1,018 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,504 <ALLOWANCE-OPEN> 1,947 <CHARGE-OFFS> 114 <RECOVERIES> 89 <ALLOWANCE-CLOSE> 2,177 <ALLOWANCE-DOMESTIC> 2,177 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0