<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM FORM 10-Q FOR THE
QUARTERLY PERIOD ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> SEP-30-1999
<CASH> 12,039
<INT-BEARING-DEPOSITS> 9,242
<FED-FUNDS-SOLD> 7,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 65,631
<INVESTMENTS-CARRYING> 59,534
<INVESTMENTS-MARKET> 0
<LOANS> 335,950
<ALLOWANCE> 3,088
<TOTAL-ASSETS> 504,863
<DEPOSITS> 420,264
<SHORT-TERM> 12,366
<LIABILITIES-OTHER> 5,312
<LONG-TERM> 15,000
0
0
<COMMON> 12,915
<OTHER-SE> 39,006
<TOTAL-LIABILITIES-AND-EQUITY> 504,863
<INTEREST-LOAN> 20,688
<INTEREST-INVEST> 5,522
<INTEREST-OTHER> 284
<INTEREST-TOTAL> 26,494
<INTEREST-DEPOSIT> 11,200
<INTEREST-EXPENSE> 11,878
<INTEREST-INCOME-NET> 14,616
<LOAN-LOSSES> 302
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 11,255
<INCOME-PRETAX> 6,102
<INCOME-PRE-EXTRAORDINARY> 6,102
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,197
<EPS-BASIC> .83
<EPS-DILUTED> .81
<YIELD-ACTUAL> 4.29
<LOANS-NON> 939
<LOANS-PAST> 393
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,954
<CHARGE-OFFS> 292
<RECOVERIES> 124
<ALLOWANCE-CLOSE> 3,088
<ALLOWANCE-DOMESTIC> 2,792
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 296
</TABLE>