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

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          10,547
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 7,950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    121,499
<INVESTMENTS-CARRYING>                          83,999
<INVESTMENTS-MARKET>                            81,695
<LOANS>                                        194,755
<ALLOWANCE>                                      2,965
<TOTAL-ASSETS>                                 427,389
<DEPOSITS>                                     333,523
<SHORT-TERM>                                    13,589
<LIABILITIES-OTHER>                              5,229
<LONG-TERM>                                     29,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        18,110
<OTHER-SE>                                      27,438
<TOTAL-LIABILITIES-AND-EQUITY>                 427,389
<INTEREST-LOAN>                                 12,482
<INTEREST-INVEST>                                8,328
<INTEREST-OTHER>                                   167
<INTEREST-TOTAL>                                20,977
<INTEREST-DEPOSIT>                               7,718
<INTEREST-EXPENSE>                               9,153
<INTEREST-INCOME-NET>                           11,824
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   9
<EXPENSE-OTHER>                                  7,933
<INCOME-PRETAX>                                  4,945
<INCOME-PRE-EXTRAORDINARY>                       3,673
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,673
<EPS-BASIC>                                       1.02
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                     4.3
<LOANS-NON>                                      2,357
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   489
<LOANS-PROBLEM>                                  1,934
<ALLOWANCE-OPEN>                                 3,055
<CHARGE-OFFS>                                      320
<RECOVERIES>                                        80
<ALLOWANCE-CLOSE>                                2,965
<ALLOWANCE-DOMESTIC>                             2,470
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            495