<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 12,030 <INT-BEARING-DEPOSITS> 202 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 106,066 <INVESTMENTS-CARRYING> 50,132 <INVESTMENTS-MARKET> 48,999 <LOANS> 173,080 <ALLOWANCE> 3,140 <TOTAL-ASSETS> 352,473 <DEPOSITS> 285,326 <SHORT-TERM> 11,684 <LIABILITIES-OTHER> 2,796 <LONG-TERM> 25,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,795 <OTHER-SE> 25,872 <TOTAL-LIABILITIES-AND-EQUITY> 352,473 <INTEREST-LOAN> 10,698 <INTEREST-INVEST> 6,450 <INTEREST-OTHER> 159 <INTEREST-TOTAL> 17,307 <INTEREST-DEPOSIT> 6,693 <INTEREST-EXPENSE> 7,549 <INTEREST-INCOME-NET> 9,758 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 21 <EXPENSE-OTHER> 7,402 <INCOME-PRETAX> 4,048 <INCOME-PRE-EXTRAORDINARY> 3,040 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,040 <EPS-BASIC> 2.12 <EPS-DILUTED> 2.11 <YIELD-ACTUAL> 4.31 <LOANS-NON> 454 <LOANS-PAST> 125 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,421 <ALLOWANCE-OPEN> 2,951 <CHARGE-OFFS> 17 <RECOVERIES> 26 <ALLOWANCE-CLOSE> 3,140 <ALLOWANCE-DOMESTIC> 3,140 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,038