<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          13,697
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     38,599
<INVESTMENTS-CARRYING>                          41,202
<INVESTMENTS-MARKET>                            40,830
<LOANS>                                        233,972
<ALLOWANCE>                                      3,256
<TOTAL-ASSETS>                                 345,943
<DEPOSITS>                                     291,824
<SHORT-TERM>                                    15,296
<LIABILITIES-OTHER>                              2,124
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,847
<OTHER-SE>                                      10,852
<TOTAL-LIABILITIES-AND-EQUITY>                 345,943
<INTEREST-LOAN>                                 14,860
<INTEREST-INVEST>                                3,196
<INTEREST-OTHER>                                   112
<INTEREST-TOTAL>                                18,168
<INTEREST-DEPOSIT>                               7,416
<INTEREST-EXPENSE>                               7,868
<INTEREST-INCOME-NET>                           10,300
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  8,078
<INCOME-PRETAX>                                  3,466
<INCOME-PRE-EXTRAORDINARY>                       2,300
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,300
<EPS-BASIC>                                       1.21
<EPS-DILUTED>                                     1.21
<YIELD-ACTUAL>                                    4.33
<LOANS-NON>                                        436
<LOANS-PAST>                                     1,791
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,533
<ALLOWANCE-OPEN>                                 3,418
<CHARGE-OFFS>                                      478
<RECOVERIES>                                       136
<ALLOWANCE-CLOSE>                                3,256
<ALLOWANCE-DOMESTIC>                               180
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0