<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                            
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                          11,546
<INT-BEARING-DEPOSITS>                             349
<FED-FUNDS-SOLD>                                 1,230
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     77,602
<INVESTMENTS-CARRYING>                           7,650
<INVESTMENTS-MARKET>                             7,792
<LOANS>                                        200,052
<ALLOWANCE>                                      3,343
<TOTAL-ASSETS>                                 306,482
<DEPOSITS>                                     240,013
<SHORT-TERM>                                     7,696
<LIABILITIES-OTHER>                              5,015
<LONG-TERM>                                     27,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           180
<OTHER-SE>                                      26,578
<TOTAL-LIABILITIES-AND-EQUITY>                 306,482
<INTEREST-LOAN>                                 12,029
<INTEREST-INVEST>                                3,521
<INTEREST-OTHER>                                    62
<INTEREST-TOTAL>                                15,612
<INTEREST-DEPOSIT>                               5,772
<INTEREST-EXPENSE>                               6,587
<INTEREST-INCOME-NET>                            9,025
<LOAN-LOSSES>                                      340
<SECURITIES-GAINS>                                  59
<EXPENSE-OTHER>                                  6,370
<INCOME-PRETAX>                                  3,729
<INCOME-PRE-EXTRAORDINARY>                       3,729
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,582
<EPS-BASIC>                                     1.53
<EPS-DILUTED>                                     1.53
<YIELD-ACTUAL>                                    4.51
<LOANS-NON>                                        342
<LOANS-PAST>                                       117
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,333
<CHARGE-OFFS>                                      466
<RECOVERIES>                                       136
<ALLOWANCE-CLOSE>                                3,343
<ALLOWANCE-DOMESTIC>                             3,343
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,192