<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           2,277
<INT-BEARING-DEPOSITS>                          12,764
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        802
<INVESTMENTS-CARRYING>                             815
<INVESTMENTS-MARKET>                            20,600
<LOANS>                                        106,438
<ALLOWANCE>                                      1,053
<TOTAL-ASSETS>                                 149,108
<DEPOSITS>                                     130,895
<SHORT-TERM>                                       174
<LIABILITIES-OTHER>                                944
<LONG-TERM>                                      8,116
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,913
<OTHER-SE>                                       2,065
<TOTAL-LIABILITIES-AND-EQUITY>                 149,108
<INTEREST-LOAN>                                  6,491
<INTEREST-INVEST>                                  484
<INTEREST-OTHER>                                   431
<INTEREST-TOTAL>                                 7,406
<INTEREST-DEPOSIT>                               3,717
<INTEREST-EXPENSE>                               4,067
<INTEREST-INCOME-NET>                            3,339
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,663
<INCOME-PRETAX>                                    764
<INCOME-PRE-EXTRAORDINARY>                         764
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       568
<EPS-BASIC>                                        .58
<EPS-DILUTED>                                      .56
<YIELD-ACTUAL>                                     3.5
<LOANS-NON>                                        324
<LOANS-PAST>                                       125
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    540
<ALLOWANCE-OPEN>                                   955
<CHARGE-OFFS>                                      168
<RECOVERIES>                                        41
<ALLOWANCE-CLOSE>                                1,053
<ALLOWANCE-DOMESTIC>                             1,053
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0