<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-1-1999 <PERIOD-END> SEP-30-1999 <CASH> 13,777 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 54,127 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 188,452 <ALLOWANCE> 2,275 <TOTAL-ASSETS> 272,451 <DEPOSITS> 228,940 <SHORT-TERM> 0 <LIABILITIES-OTHER> 6,737 <LONG-TERM> 15,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,287 <OTHER-SE> 17,487 <TOTAL-LIABILITIES-AND-EQUITY> 272,451 <INTEREST-LOAN> 12,084 <INTEREST-INVEST> 2,584 <INTEREST-OTHER> 41 <INTEREST-TOTAL> 14,709 <INTEREST-DEPOSIT> 5,712 <INTEREST-EXPENSE> 6,174 <INTEREST-INCOME-NET> 8,535 <LOAN-LOSSES> 594 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,965 <INCOME-PRETAX> 3,205 <INCOME-PRE-EXTRAORDINARY> 3,205 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,488 <EPS-BASIC> 1.34 <EPS-DILUTED> 1.34 <YIELD-ACTUAL> 4.99 <LOANS-NON> 596 <LOANS-PAST> 961 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,375 <ALLOWANCE-OPEN> 2,026 <CHARGE-OFFS> 582 <RECOVERIES> 237 <ALLOWANCE-CLOSE> 2,275 <ALLOWANCE-DOMESTIC> 1,773 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 502