<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>                                          14,475
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    141,518
<INVESTMENTS-CARRYING>                          69,728
<INVESTMENTS-MARKET>                            69,333
<LOANS>                                        197,500
<ALLOWANCE>                                      2,072
<TOTAL-ASSETS>                                 444,362
<DEPOSITS>                                     407,580
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,732
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,199
<OTHER-SE>                                      37,686
<TOTAL-LIABILITIES-AND-EQUITY>                 444,362
<INTEREST-LOAN>                                 11,519
<INTEREST-INVEST>                                9,883
<INTEREST-OTHER>                                   460
<INTEREST-TOTAL>                                21,862
<INTEREST-DEPOSIT>                               9,032
<INTEREST-EXPENSE>                               9,089
<INTEREST-INCOME-NET>                           12,773
<LOAN-LOSSES>                                      205
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,168
<INCOME-PRETAX>                                  6,637
<INCOME-PRE-EXTRAORDINARY>                       6,637
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,522
<EPS-BASIC>                                        .87
<EPS-DILUTED>                                      .84
<YIELD-ACTUAL>                                    6.94
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,850
<CHARGE-OFFS>                                       45
<RECOVERIES>                                        62
<ALLOWANCE-CLOSE>                                2,072
<ALLOWANCE-DOMESTIC>                             2,072
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0