<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1999 THIRD
QUARTER 10-Q
</LEGEND>
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                            3144
<INT-BEARING-DEPOSITS>                              15
<FED-FUNDS-SOLD>                                   100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      10619
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                          87261
<ALLOWANCE>                                       1040
<TOTAL-ASSETS>                                  105145
<DEPOSITS>                                       72950
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1566
<LONG-TERM>                                      19005
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          2983
<OTHER-SE>                                        8641
<TOTAL-LIABILITIES-AND-EQUITY>                  105145
<INTEREST-LOAN>                                   5052
<INTEREST-INVEST>                                  526
<INTEREST-OTHER>                                    33
<INTEREST-TOTAL>                                  5611
<INTEREST-DEPOSIT>                                1763
<INTEREST-EXPENSE>                                 807
<INTEREST-INCOME-NET>                             3041
<LOAN-LOSSES>                                       33
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1857
<INCOME-PRETAX>                                   1573
<INCOME-PRE-EXTRAORDINARY>                        1573
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1099
<EPS-BASIC>                                       1.84
<EPS-DILUTED>                                     1.84
<YIELD-ACTUAL>                                    4.26
<LOANS-NON>                                        118
<LOANS-PAST>                                        18
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1011
<CHARGE-OFFS>                                       29
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                 1040
<ALLOWANCE-DOMESTIC>                               576
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            464