<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEP. 30,
1999 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           7,038
<INT-BEARING-DEPOSITS>                          13,434
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     79,823
<INVESTMENTS-CARRYING>                           6,794
<INVESTMENTS-MARKET>                             7,034
<LOANS>                                        280,071
<ALLOWANCE>                                      4,204
<TOTAL-ASSETS>                                 393,788
<DEPOSITS>                                     348,027
<SHORT-TERM>                                     5,183
<LIABILITIES-OTHER>                              2,671
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           809
<OTHER-SE>                                      34,058
<TOTAL-LIABILITIES-AND-EQUITY>                 393,760
<INTEREST-LOAN>                                  5,713
<INTEREST-INVEST>                                1,484
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,197
<INTEREST-DEPOSIT>                               2,865
<INTEREST-EXPENSE>                               2,949
<INTEREST-INCOME-NET>                            4,248
<LOAN-LOSSES>                                       36
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                  2,658
<INCOME-PRETAX>                                  1,855
<INCOME-PRE-EXTRAORDINARY>                       1,855
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,262
<EPS-BASIC>                                      $0.17
<EPS-DILUTED>                                    $0.17
<YIELD-ACTUAL>                                    4.51
<LOANS-NON>                                      1,257
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   188
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,023
<CHARGE-OFFS>                                       56
<RECOVERIES>                                       168
<ALLOWANCE-CLOSE>                                4,204
<ALLOWANCE-DOMESTIC>                             4,204
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0