<ARTICLE>           9
<MULTIPLIER>        1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          19,715
<INT-BEARING-DEPOSITS>                          45,000
<FED-FUNDS-SOLD>                                32,848
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     45,662
<INVESTMENTS-CARRYING>                          33,769
<INVESTMENTS-MARKET>                            33,666
<LOANS>                                        282,748
<ALLOWANCE>                                      4,277
<TOTAL-ASSETS>                                 474,010
<DEPOSITS>                                     188,949
<SHORT-TERM>                                       207
<LIABILITIES-OTHER>                            228,322
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      54,532
<TOTAL-LIABILITIES-AND-EQUITY>                 474,010
<INTEREST-LOAN>                                 14,740
<INTEREST-INVEST>                                3,594
<INTEREST-OTHER>                                 4,256
<INTEREST-TOTAL>                                22,590
<INTEREST-DEPOSIT>                               3,288
<INTEREST-EXPENSE>                               3,294
<INTEREST-INCOME-NET>                           19,296
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 28,170
<INCOME-PRETAX>                                  7,266
<INCOME-PRE-EXTRAORDINARY>                       7,266
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,654
<EPS-BASIC>                                     1.22
<EPS-DILUTED>                                     1.20
<YIELD-ACTUAL>                                    5.79
<LOANS-NON>                                        173
<LOANS-PAST>                                       163
<LOANS-TROUBLED>                                    85
<LOANS-PROBLEM>                                    351
<ALLOWANCE-OPEN>                                 4,428
<CHARGE-OFFS>                                      256
<RECOVERIES>                                       105
<ALLOWANCE-CLOSE>                                4,277
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>TO BE DOCUMENTED IN THE DEC-31-1999 STATEMENTS.