<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> 12,333 <INT-BEARING-DEPOSITS> 6,710 <FED-FUNDS-SOLD> 8,980 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 63,611 <INVESTMENTS-CARRYING> 1,088 <INVESTMENTS-MARKET> 1,059 <LOANS> 313,601 <ALLOWANCE> 4,658 <TOTAL-ASSETS> 424,318 <DEPOSITS> 361,442 <SHORT-TERM> 11,587 <LIABILITIES-OTHER> 3,511 <LONG-TERM> 13,142 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,435 <OTHER-SE> 30,201 <TOTAL-LIABILITIES-AND-EQUITY> 424,318 <INTEREST-LOAN> 20,670 <INTEREST-INVEST> 2,913 <INTEREST-OTHER> 819 <INTEREST-TOTAL> 24,402 <INTEREST-DEPOSIT> 11,756 <INTEREST-EXPENSE> 12,549 <INTEREST-INCOME-NET> 11,853 <LOAN-LOSSES> 669 <SECURITIES-GAINS> (2) <EXPENSE-OTHER> 8,966 <INCOME-PRETAX> 4,571 <INCOME-PRE-EXTRAORDINARY> 4,571 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,172 <EPS-BASIC> 0.72 <EPS-DILUTED> 0.72 <YIELD-ACTUAL> 4.34 <LOANS-NON> 5,906 <LOANS-PAST> 399 <LOANS-TROUBLED> 284 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,726 <CHARGE-OFFS> 1,107 <RECOVERIES> 370 <ALLOWANCE-CLOSE> 4,658 <ALLOWANCE-DOMESTIC> 4,658 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0