<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