<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           4,594
<INT-BEARING-DEPOSITS>                             290
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     50,895
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        146,604
<ALLOWANCE>                                      1,350
<TOTAL-ASSETS>                                 208,656
<DEPOSITS>                                     162,722
<SHORT-TERM>                                     5,078
<LIABILITIES-OTHER>                              9,070
<LONG-TERM>                                     14,646
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,964
<OTHER-SE>                                      13,176
<TOTAL-LIABILITIES-AND-EQUITY>                 208,656
<INTEREST-LOAN>                                  8,800
<INTEREST-INVEST>                                2,387
<INTEREST-OTHER>                                    73
<INTEREST-TOTAL>                                11,260
<INTEREST-DEPOSIT>                               4,740
<INTEREST-EXPENSE>                               5,705
<INTEREST-INCOME-NET>                            5,555
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                  14
<EXPENSE-OTHER>                                  3,890
<INCOME-PRETAX>                                  2,129
<INCOME-PRE-EXTRAORDINARY>                       2,129
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,469
<EPS-BASIC>                                       1.86
<EPS-DILUTED>                                     1.86
<YIELD-ACTUAL>                                    3.94
<LOANS-NON>                                         39
<LOANS-PAST>                                       112
<LOANS-TROUBLED>                                    39
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,226
<CHARGE-OFFS>                                      295
<RECOVERIES>                                        59
<ALLOWANCE-CLOSE>                                1,350
<ALLOWANCE-DOMESTIC>                             1,350
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0