<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS DATED 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-START>                             JUL-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           6,855
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,389
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        106,749
<ALLOWANCE>                                      1,989
<TOTAL-ASSETS>                                 165,225
<DEPOSITS>                                     150,032
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                868
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,820
<OTHER-SE>                                       6,505
<TOTAL-LIABILITIES-AND-EQUITY>                 165,225
<INTEREST-LOAN>                                  2,619
<INTEREST-INVEST>                                  566
<INTEREST-OTHER>                                    41
<INTEREST-TOTAL>                                 3,226
<INTEREST-DEPOSIT>                                 904
<INTEREST-EXPENSE>                                 904
<INTEREST-INCOME-NET>                            2,322
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,274
<INCOME-PRETAX>                                    411
<INCOME-PRE-EXTRAORDINARY>                         411
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       335
<EPS-BASIC>                                       0.24
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                    6.41
<LOANS-NON>                                        344
<LOANS-PAST>                                       706
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,564
<CHARGE-OFFS>                                       29
<RECOVERIES>                                        53
<ALLOWANCE-CLOSE>                                1,989
<ALLOWANCE-DOMESTIC>                             1,989
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,490