<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.

<MULTIPLIER> 1,000

                             
<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
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          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