<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 12,516 <INT-BEARING-DEPOSITS> 8,669 <FED-FUNDS-SOLD> 615 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 133,279 <INVESTMENTS-CARRYING> 65,190 <INVESTMENTS-MARKET> 63,385 <LOANS> 140,519 <ALLOWANCE> 2,161 <TOTAL-ASSETS> 376,326 <DEPOSITS> 339,126 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,815 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,800 <OTHER-SE> 26,688 <TOTAL-LIABILITIES-AND-EQUITY> 376,326 <INTEREST-LOAN> 8,208 <INTEREST-INVEST> 9,147 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 17,355 <INTEREST-DEPOSIT> 8,571 <INTEREST-EXPENSE> 8,585 <INTEREST-INCOME-NET> 8,770 <LOAN-LOSSES> 270 <SECURITIES-GAINS> 187 <EXPENSE-OTHER> 8,779 <INCOME-PRETAX> 3,685 <INCOME-PRE-EXTRAORDINARY> 3,685 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,077 <EPS-BASIC> 1.53 <EPS-DILUTED> 1.53 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 69 <LOANS-TROUBLED> 29 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,701 <CHARGE-OFFS> 744 <RECOVERIES> 934 <ALLOWANCE-CLOSE> 2,161 <ALLOWANCE-DOMESTIC> 2,161 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0