<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S QUARTERLY REPORT ON FORM 10-Q FOR THE QUARTER 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>                                           6,820
<INT-BEARING-DEPOSITS>                           4,616
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,407
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        118,790
<ALLOWANCE>                                      2,832
<TOTAL-ASSETS>                                 189,769
<DEPOSITS>                                     139,665
<SHORT-TERM>                                     6,149
<LIABILITIES-OTHER>                                268
<LONG-TERM>                                     26,319
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,361
<OTHER-SE>                                      16,007
<TOTAL-LIABILITIES-AND-EQUITY>                 189,769
<INTEREST-LOAN>                                  7,357
<INTEREST-INVEST>                                2,494
<INTEREST-OTHER>                                   450
<INTEREST-TOTAL>                                10,301
<INTEREST-DEPOSIT>                               3,964
<INTEREST-EXPENSE>                               1,165
<INTEREST-INCOME-NET>                            5,172
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  22
<EXPENSE-OTHER>                                  4,441
<INCOME-PRETAX>                                  2,871
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,866
<EPS-BASIC>                                       1.37
<EPS-DILUTED>                                     1.36
<YIELD-ACTUAL>                                    7.74
<LOANS-NON>                                        373
<LOANS-PAST>                                       244
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,092
<ALLOWANCE-OPEN>                                 2,735
<CHARGE-OFFS>                                        6
<RECOVERIES>                                       103
<ALLOWANCE-CLOSE>                                2,832
<ALLOWANCE-DOMESTIC>                             2,832
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0