<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 12593000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 53717000 <INVESTMENTS-CARRYING> 11739000 <INVESTMENTS-MARKET> 11595000 <LOANS> 213959000 <ALLOWANCE> 4466000 <TOTAL-ASSETS> 296431000 <DEPOSITS> 258669000 <SHORT-TERM> 5900000 <LIABILITIES-OTHER> 2858000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19730000 <OTHER-SE> 9274000 <TOTAL-LIABILITIES-AND-EQUITY> 296431000 <INTEREST-LOAN> 20674000 <INTEREST-INVEST> 3479000 <INTEREST-OTHER> 631000 <INTEREST-TOTAL> 24784000 <INTEREST-DEPOSIT> 6548000 <INTEREST-EXPENSE> 6625000 <INTEREST-INCOME-NET> 18159000 <LOAN-LOSSES> 600000 <SECURITIES-GAINS> 30000 <EXPENSE-OTHER> 15819000 <INCOME-PRETAX> 7842000 <INCOME-PRE-EXTRAORDINARY> 7842000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4796000 <EPS-BASIC> 1.86 <EPS-DILUTED> 1.61 <YIELD-ACTUAL> 6.97 <LOANS-NON> 38000 <LOANS-PAST> 5000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1276000 <ALLOWANCE-OPEN> 3919000 <CHARGE-OFFS> 153000 <RECOVERIES> 100000 <ALLOWANCE-CLOSE> 4466000 <ALLOWANCE-DOMESTIC> 3563000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 903000