<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON  FORM  10QSB  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>                                           1,468
<INT-BEARING-DEPOSITS>                           1,138
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,669
<INVESTMENTS-CARRYING>                          15,585
<INVESTMENTS-MARKET>                            15,231
<LOANS>                                        167,702
<ALLOWANCE>                                        858
<TOTAL-ASSETS>                                 192,847
<DEPOSITS>                                     157,261
<SHORT-TERM>                                     9,000
<LIABILITIES-OTHER>                              3,076
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           219
<OTHER-SE>                                      23,291
<TOTAL-LIABILITIES-AND-EQUITY>                 192,847
<INTEREST-LOAN>                                  9,438
<INTEREST-INVEST>                                1,116
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                10,554
<INTEREST-DEPOSIT>                               5,480
<INTEREST-EXPENSE>                                 209
<INTEREST-INCOME-NET>                            4,865
<LOAN-LOSSES>                                       27
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,734
<INCOME-PRETAX>                                  2,440
<INCOME-PRE-EXTRAORDINARY>                       2,440
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,458
<EPS-BASIC>                                     0.96
<EPS-DILUTED>                                     0.94
<YIELD-ACTUAL>                                    3.45
<LOANS-NON>                                        197
<LOANS-PAST>                                       509
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    547
<ALLOWANCE-OPEN>                                   853
<CHARGE-OFFS>                                       37
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                  858
<ALLOWANCE-DOMESTIC>                               858
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0