<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 9,929 <INT-BEARING-DEPOSITS> 2,187 <FED-FUNDS-SOLD> 600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 30,124 <INVESTMENTS-CARRYING> 29,888 <INVESTMENTS-MARKET> 29,503 <LOANS> 153,279 <ALLOWANCE> 1,715 <TOTAL-ASSETS> 232,216 <DEPOSITS> 201,843 <SHORT-TERM> 2,623 <LIABILITIES-OTHER> 1,493 <LONG-TERM> 4,075 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,471 <OTHER-SE> 14,606 <TOTAL-LIABILITIES-AND-EQUITY> 232,216 <INTEREST-LOAN> 13,036 <INTEREST-INVEST> 3,411 <INTEREST-OTHER> 276 <INTEREST-TOTAL> 16,723 <INTEREST-DEPOSIT> 7,277 <INTEREST-EXPENSE> 257 <INTEREST-INCOME-NET> 9,188 <LOAN-LOSSES> 497 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,330 <INCOME-PRETAX> 3,121 <INCOME-PRE-EXTRAORDINARY> 3,121 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,334 <EPS-BASIC> .71 <EPS-DILUTED> .71 <YIELD-ACTUAL> 7.74 <LOANS-NON> 1,759 <LOANS-PAST> 791 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,284 <ALLOWANCE-OPEN> 1,659 <CHARGE-OFFS> 549 <RECOVERIES> 108 <ALLOWANCE-CLOSE> 1,715 <ALLOWANCE-DOMESTIC> 1,715 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 566