<ARTICLE>               9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR QUARTER ENDED SEPTEMBER 30, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000

                               
<PERIOD-TYPE>                     3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                         4,615
<INT-BEARING-DEPOSITS>                         2,525
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                    9,016
<INVESTMENTS-CARRYING>                         9,016
<INVESTMENTS-MARKET>                           9,016
<LOANS>                                      252,148
<ALLOWANCE>                                   (2,811)
<TOTAL-ASSETS>                               326,958
<DEPOSITS>                                   200,949
<SHORT-TERM>                                  10,000
<LIABILITIES-OTHER>                            2,523
<LONG-TERM>                                   69,568
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                          26
<OTHER-SE>                                    43,892
<TOTAL-LIABILITIES-AND-EQUITY>               326,958
<INTEREST-LOAN>                                4,816
<INTEREST-INVEST>                                154
<INTEREST-OTHER>                                 879
<INTEREST-TOTAL>                               5,849
<INTEREST-DEPOSIT>                             2,424
<INTEREST-EXPENSE>                               969
<INTEREST-INCOME-NET>                          2,457
<LOAN-LOSSES>                                     74
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                2,048
<INCOME-PRETAX>                                  608
<INCOME-PRE-EXTRAORDINARY>                       379
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     379
<EPS-BASIC>                                   0.19
<EPS-DILUTED>                                   0.19
<YIELD-ACTUAL>                                  3.15
<LOANS-NON>                                    3,115
<LOANS-PAST>                                   3,115
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                2,401
<ALLOWANCE-OPEN>                              (2,805)
<CHARGE-OFFS>                                     84
<RECOVERIES>                                      15
<ALLOWANCE-CLOSE>                             (2,811)
<ALLOWANCE-DOMESTIC>                          (2,811)
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0