<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> 21,051 <INT-BEARING-DEPOSITS> 294 <FED-FUNDS-SOLD> 32,940 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 129,009 <INVESTMENTS-CARRYING> 7,845 <INVESTMENTS-MARKET> 7,905 <LOANS> 354,106 <ALLOWANCE> 3,882 <TOTAL-ASSETS> 578,006 <DEPOSITS> 507,887 <SHORT-TERM> 17,547 <LIABILITIES-OTHER> 4,284 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,694 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 578,006 <INTEREST-LOAN> 20,546 <INTEREST-INVEST> 4,671 <INTEREST-OTHER> 259 <INTEREST-TOTAL> 25,476 <INTEREST-DEPOSIT> 10,973 <INTEREST-EXPENSE> 858 <INTEREST-INCOME-NET> 13,645 <LOAN-LOSSES> 460 <SECURITIES-GAINS> 60 <EXPENSE-OTHER> 11,019 <INCOME-PRETAX> 4,674 <INCOME-PRE-EXTRAORDINARY> 4,674 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,573 <EPS-BASIC> 0.97 <EPS-DILUTED> 0.97 <YIELD-ACTUAL> 7.78 <LOANS-NON> 629 <LOANS-PAST> 843 <LOANS-TROUBLED> 791 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,100 <CHARGE-OFFS> 417 <RECOVERIES> 170 <ALLOWANCE-CLOSE> 3,882 <ALLOWANCE-DOMESTIC> 3,882 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0