<ARTICLE>                                            9

<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-QSB 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>                                         3,846
<INT-BEARING-DEPOSITS>                             0
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   21,690
<INVESTMENTS-CARRYING>                        64,176
<INVESTMENTS-MARKET>                          67,492
<LOANS>                                       46,477
<ALLOWANCE>                                      233
<TOTAL-ASSETS>                               145,308
<DEPOSITS>                                    82,109
<SHORT-TERM>                                  11,500
<LIABILITIES-OTHER>                            1,929
<LONG-TERM>                                   30,000
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                         155
<OTHER-SE>                                    19,288
<TOTAL-LIABILITIES-AND-EQUITY>               145,308
<INTEREST-LOAN>                                2,449
<INTEREST-INVEST>                              3,689
<INTEREST-OTHER>                                 176
<INTEREST-TOTAL>                               6,314
<INTEREST-DEPOSIT>                             2,680
<INTEREST-EXPENSE>                             3,632
<INTEREST-INCOME-NET>                          2,682
<LOAN-LOSSES>                                     27
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                2,270
<INCOME-PRETAX>                                1,051
<INCOME-PRE-EXTRAORDINARY>                     1,051
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     648
<EPS-BASIC>                                   0.48
<EPS-DILUTED>                                   0.48
<YIELD-ACTUAL>                                     0
<LOANS-NON>                                       83
<LOANS-PAST>                                     388
<LOANS-TROUBLED>                                 228
<LOANS-PROBLEM>                                   80
<ALLOWANCE-OPEN>                                 225
<CHARGE-OFFS>                                      1
<RECOVERIES>                                       0
<ALLOWANCE-CLOSE>                                233
<ALLOWANCE-DOMESTIC>                             233
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                          233