<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