<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