<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1999
<CASH>                                           8,670
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,998
<INVESTMENTS-CARRYING>                          33,683
<INVESTMENTS-MARKET>                            33,251
<LOANS>                                        138,667
<ALLOWANCE>                                      1,949
<TOTAL-ASSETS>                                 236,625
<DEPOSITS>                                     196,267
<SHORT-TERM>                                     3,520
<LIABILITIES-OTHER>                                398
<LONG-TERM>                                      7,576
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,847
<OTHER-SE>                                      20,017
<TOTAL-LIABILITIES-AND-EQUITY>                 236,625
<INTEREST-LOAN>                                  9,458
<INTEREST-INVEST>                                2,759
<INTEREST-OTHER>                                   410
<INTEREST-TOTAL>                                12,627
<INTEREST-DEPOSIT>                               5,646
<INTEREST-EXPENSE>                               6,110
<INTEREST-INCOME-NET>                            6,517
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,904
<INCOME-PRETAX>                                  2,912
<INCOME-PRE-EXTRAORDINARY>                       2,912
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,219
<EPS-BASIC>                                     3.15
<EPS-DILUTED>                                     3.15
<YIELD-ACTUAL>                                    3.97
<LOANS-NON>                                        276
<LOANS-PAST>                                       245
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,851
<CHARGE-OFFS>                                      134
<RECOVERIES>                                        52
<ALLOWANCE-CLOSE>                                1,949
<ALLOWANCE-DOMESTIC>                             1,949
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0