<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                      11,077,000
<INT-BEARING-DEPOSITS>                       3,813,000
<FED-FUNDS-SOLD>                            37,890,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 67,009,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    104,433,000
<ALLOWANCE>                                  2,290,000
<TOTAL-ASSETS>                             226,302,000
<DEPOSITS>                                 200,577,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,432,000
<LONG-TERM>                                  1,350,000
<PREFERRED-MANDATORY>                       14,914,000
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                   6,562,000
<TOTAL-LIABILITIES-AND-EQUITY>             226,302,000
<INTEREST-LOAN>                              7,288,000
<INTEREST-INVEST>                            2,860,000
<INTEREST-OTHER>                               982,000
<INTEREST-TOTAL>                            11,130,000
<INTEREST-DEPOSIT>                           3,315,000
<INTEREST-EXPENSE>                           3,328,000
<INTEREST-INCOME-NET>                        7,802,000
<LOAN-LOSSES>                                (195,000)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              7,307,000
<INCOME-PRETAX>                              1,934,000
<INCOME-PRE-EXTRAORDINARY>                   1,138,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,138,000
<EPS-BASIC>                                       0.38
<EPS-DILUTED>                                     0.36
<YIELD-ACTUAL>                                    .048
<LOANS-NON>                                    169,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,500,000
<CHARGE-OFFS>                                   46,000
<RECOVERIES>                                    31,000
<ALLOWANCE-CLOSE>                            2,290,000
<ALLOWANCE-DOMESTIC>                         2,290,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0