<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           7,885
<INT-BEARING-DEPOSITS>                           2,001
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,618
<INVESTMENTS-CARRYING>                          37,036
<INVESTMENTS-MARKET>                            37,553
<LOANS>                                        196,726
<ALLOWANCE>                                      3,107
<TOTAL-ASSETS>                                 313,362
<DEPOSITS>                                     261,458
<SHORT-TERM>                                    13,105
<LIABILITIES-OTHER>                              3,646
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,644
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 313,362
<INTEREST-LOAN>                                 14,394
<INTEREST-INVEST>                                3,213
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                17,607
<INTEREST-DEPOSIT>                               6,232
<INTEREST-EXPENSE>                               6,712
<INTEREST-INCOME-NET>                           10,895
<LOAN-LOSSES>                                      355
<SECURITIES-GAINS>                                 115
<EXPENSE-OTHER>                                 11,972
<INCOME-PRETAX>                                  7,593
<INCOME-PRE-EXTRAORDINARY>                       7,593
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,545
<EPS-BASIC>                                       1.50
<EPS-DILUTED>                                     1.48
<YIELD-ACTUAL>                                    8.48
<LOANS-NON>                                         20
<LOANS-PAST>                                     1,926
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,760
<CHARGE-OFFS>                                       26
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                3,107
<ALLOWANCE-DOMESTIC>                             3,107
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0