<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 23,379 <INT-BEARING-DEPOSITS> 25 <FED-FUNDS-SOLD> 2,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 111,870 <INVESTMENTS-CARRYING> 124,410 <INVESTMENTS-MARKET> 121,954 <LOANS> 335,999 <ALLOWANCE> (4,818) <TOTAL-ASSETS> 620,088 <DEPOSITS> 540,816 <SHORT-TERM> 969 <LIABILITIES-OTHER> 6,227 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 29,200 <OTHER-SE> 42,876 <TOTAL-LIABILITIES-AND-EQUITY> 620,088 <INTEREST-LOAN> 28,017 <INTEREST-INVEST> 12,577 <INTEREST-OTHER> 620 <INTEREST-TOTAL> 41,214 <INTEREST-DEPOSIT> 17,918 <INTEREST-EXPENSE> 17,950 <INTEREST-INCOME-NET> 23,264 <LOAN-LOSSES> 1,700 <SECURITIES-GAINS> 130 <EXPENSE-OTHER> 18,095 <INCOME-PRETAX> 10,666 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,533 <EPS-BASIC> 2.59 <EPS-DILUTED> 0 <YIELD-ACTUAL> 4.40 <LOANS-NON> 2,498 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,852 <CHARGE-OFFS> 1,131 <RECOVERIES> 179 <ALLOWANCE-CLOSE> 4,818 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0