<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEET AND CONSOLIDATED INCOME STATEMENT AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   YEAR                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-END>                               SEP-30-1999             SEP-30-1999
<CASH>                                           8,206                   8,206
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                13,540                  13,540
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     40,578                  40,578
<INVESTMENTS-CARRYING>                          38,914                  38,914
<INVESTMENTS-MARKET>                            38,758                  38,758
<LOANS>                                        267,112                 267,112
<ALLOWANCE>                                      4,104                   4,104
<TOTAL-ASSETS>                                 373,514                 373,514
<DEPOSITS>                                     324,520                 324,520
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              3,216                   3,216
<LONG-TERM>                                      3,000                   3,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        10,120                  10,120
<OTHER-SE>                                      32,658                  32,658
<TOTAL-LIABILITIES-AND-EQUITY>                 373,514                 373,514
<INTEREST-LOAN>                                 16,750                   5,726
<INTEREST-INVEST>                                3,345                   1,096
<INTEREST-OTHER>                                   347                     182
<INTEREST-TOTAL>                                20,432                   7,004
<INTEREST-DEPOSIT>                               8,695                   2,995
<INTEREST-EXPENSE>                               8,763                   3,039
<INTEREST-INCOME-NET>                           11,669                   3,965
<LOAN-LOSSES>                                      372                     144
<SECURITIES-GAINS>                                 (44)                       0
<EXPENSE-OTHER>                                  6,440                   2,222
<INCOME-PRETAX>                                  6,148                   2,074
<INCOME-PRE-EXTRAORDINARY>                       6,148                   2,074
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,485                   1,468
<EPS-BASIC>                                       0.88                    0.29
<EPS-DILUTED>                                     0.88                    0.29
<YIELD-ACTUAL>                                    4.54                    4.47
<LOANS-NON>                                      1,690                   1,690
<LOANS-PAST>                                     1,356                   1,356
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  1,477                   1,477
<ALLOWANCE-OPEN>                                 3,860                   4,028
<CHARGE-OFFS>                                      322                     107
<RECOVERIES>                                       194                      39
<ALLOWANCE-CLOSE>                                4,104                   4,104
<ALLOWANCE-DOMESTIC>                             4,104                   4,104
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0