<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1999 DEC-31-1999 <PERIOD-START> JUL-01-1999 JAN-01-1999 <PERIOD-END> SEP-30-1999 SEP-30-1999 <CASH> 0 8,578 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 0 1,480 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 36,878 <INVESTMENTS-CARRYING> 0 2,705 <INVESTMENTS-MARKET> 0 2,705 <LOANS> 0 94,836 <ALLOWANCE> 0 1,786 <TOTAL-ASSETS> 0 152,265 <DEPOSITS> 0 141,063 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 0 977 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 0 7,223 <OTHER-SE> 0 3,443 <TOTAL-LIABILITIES-AND-EQUITY> 0 152,265 <INTEREST-LOAN> 2,025 5,720 <INTEREST-INVEST> 549 1,525 <INTEREST-OTHER> 65 353 <INTEREST-TOTAL> 2,639 7,598 <INTEREST-DEPOSIT> 816 2,403 <INTEREST-EXPENSE> 818 2,405 <INTEREST-INCOME-NET> 1,821 5,193 <LOAN-LOSSES> 0 0 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 1,612 4,499 <INCOME-PRETAX> 509 1,598 <INCOME-PRE-EXTRAORDINARY> 509 1,598 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 335 1,036 <EPS-BASIC> 0.42 1.31 <EPS-DILUTED> 0.40 1.23 <YIELD-ACTUAL> 5.33 5.16 <LOANS-NON> 0 527 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1,785 1,671 <CHARGE-OFFS> 0 14 <RECOVERIES> 1 129 <ALLOWANCE-CLOSE> 1,786 1,786 <ALLOWANCE-DOMESTIC> 1,786 1,786 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0