<ARTICLE> 9

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           8,364
<INT-BEARING-DEPOSITS>                             158
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            91,696
<LOANS>                                        229,159
<ALLOWANCE>                                      2,270
<TOTAL-ASSETS>                                 340,779
<DEPOSITS>                                     284,318
<SHORT-TERM>                                    19,429
<LIABILITIES-OTHER>                              3,526
<LONG-TERM>                                      6,424
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,800
<OTHER-SE>                                      24,282
<TOTAL-LIABILITIES-AND-EQUITY>                 340,779
<INTEREST-LOAN>                                 18,318
<INTEREST-INVEST>                                5,169
<INTEREST-OTHER>                                    59
<INTEREST-TOTAL>                                23,546
<INTEREST-DEPOSIT>                              11,410
<INTEREST-EXPENSE>                              12,066
<INTEREST-INCOME-NET>                           11,480
<LOAN-LOSSES>                                      475
<SECURITIES-GAINS>                                 279
<EXPENSE-OTHER>                                  9,033
<INCOME-PRETAX>                                  4,596
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,553
<EPS-BASIC>                                       1.27
<EPS-DILUTED>                                     1.27
<YIELD-ACTUAL>                                    4.01
<LOANS-NON>                                      1,755
<LOANS-PAST>                                        78
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,292
<CHARGE-OFFS>                                      551
<RECOVERIES>                                        54
<ALLOWANCE-CLOSE>                                2,270
<ALLOWANCE-DOMESTIC>                             1,959
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            311