<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10Q AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               SEP-30-1999             SEP-30-1998
<CASH>                                          16,717                  15,891
<INT-BEARING-DEPOSITS>                         273,674                 255,888
<FED-FUNDS-SOLD>                                 3,800                  76,950
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     35,919                  31,133
<INVESTMENTS-CARRYING>                          43,467                  26,461
<INVESTMENTS-MARKET>                            42,874                  27,377
<LOANS>                                        279,843                 219,635
<ALLOWANCE>                                      4,568                   4,375
<TOTAL-ASSETS>                                 384,652                 374,844
<DEPOSITS>                                     336,238                 328,254
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              3,775                   5,071
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        34,590                  33,600
<OTHER-SE>                                      10,049                   7,919
<TOTAL-LIABILITIES-AND-EQUITY>                 384,652                 374,844
<INTEREST-LOAN>                                 17,636                  16,993
<INTEREST-INVEST>                                4,551                   4,323
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                22,187                  21,316
<INTEREST-DEPOSIT>                               6,141                   6,301
<INTEREST-EXPENSE>                               6,141                   6,301
<INTEREST-INCOME-NET>                           16,046                  15,015
<LOAN-LOSSES>                                      165                     113
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 10,043                   9,355
<INCOME-PRETAX>                                  6,999                   7,100
<INCOME-PRE-EXTRAORDINARY>                       6,999                   7,100
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,325                   4,225
<EPS-BASIC>                                        .91                     .88
<EPS-DILUTED>                                      .89                     .83
<YIELD-ACTUAL>                                     596                     636
<LOANS-NON>                                        596                     494
<LOANS-PAST>                                       622                     719
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,424                   4,351
<CHARGE-OFFS>                                      500                     744
<RECOVERIES>                                       479                     655
<ALLOWANCE-CLOSE>                                4,568                   4,375
<ALLOWANCE-DOMESTIC>                             4,568                   4,375
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            176                   1,687