<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the 10-Q for
September 30, 1999 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          12,943
<INT-BEARING-DEPOSITS>                           2,177
<FED-FUNDS-SOLD>                                 9,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     62,201
<INVESTMENTS-CARRYING>                          10,422
<INVESTMENTS-MARKET>                            10,384
<LOANS>                                        259,131
<ALLOWANCE>                                      3,892
<TOTAL-ASSETS>                                 365,324
<DEPOSITS>                                     287,068
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,991
<LONG-TERM>                                     43,896
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            40
<OTHER-SE>                                      29,049
<TOTAL-LIABILITIES-AND-EQUITY>                 365,324
<INTEREST-LOAN>                                 15,017
<INTEREST-INVEST>                                3,339
<INTEREST-OTHER>                                   242
<INTEREST-TOTAL>                                18,597
<INTEREST-DEPOSIT>                               7,783
<INTEREST-EXPENSE>                               9,553
<INTEREST-INCOME-NET>                            9,045
<LOAN-LOSSES>                                    1,474
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,948
<INCOME-PRETAX>                                  3,733
<INCOME-PRE-EXTRAORDINARY>                       3,733
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,407
<EPS-BASIC>                                       0.61
<EPS-DILUTED>                                     0.61
<YIELD-ACTUAL>                                    3.83
<LOANS-NON>                                      4,867
<LOANS-PAST>                                       530
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 12,046
<ALLOWANCE-OPEN>                                 2,808
<CHARGE-OFFS>                                      464
<RECOVERIES>                                        74
<ALLOWANCE-CLOSE>                                3,892
<ALLOWANCE-DOMESTIC>                             3,892
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0