<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