<ARTICLE> 9
<MULTIPLIER> 1000
<PERIOD-TYPE> 3-MOS 6-MOS 9-MOS 12-MOS YEAR
<FISCAL-YEAR-END> DEC-31-1999 DEC-31-1999 DEC-31-1999 DEC-31-1999 DEC-31-1999
<PERIOD-START> JAN-01-1999 APR-01-1999 JUL-01-1999 OCT-01-1999 JAN-31-1999
<PERIOD-END> MAR-31-1999 JUN-30-1999 SEP-30-1999 DEC-31-1999 DEC-31-1999
<CASH> $12,367 $11,831 $12,435 $13,885 $13,885
<INT-BEARING-DEPOSITS> 19 210 13,895 3,406 3,406
<FED-FUNDS-SOLD> 0 0 0 0 0
<TRADING-ASSETS> 0 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 108,209 110,238 113,517 121,872 121,872
<INVESTMENTS-CARRYING> 46,379 47,427 44,038 44,400 44,400
<INVESTMENTS-MARKET> 47,337 47,188 43,751 43,634 43,634
<LOANS> 278,299 283,411 279,308 293,741 293,741
<ALLOWANCE> 3,910 4,021 4,063 4,135 4,135
<TOTAL-ASSETS> 458,331 467,114 477,643 491,391 491,391
<DEPOSITS> 363,228 361,094 373,600 385,558 385,558
<SHORT-TERM> 3,540 5,700 0 0 0
<LIABILITIES-OTHER> 23,146 2,885 3,062 3,160 3,160
<LONG-TERM> 13,000 26,000 26,000 21,000 21,000
<PREFERRED-MANDATORY> 0 0 0 0 0
<PREFERRED> 0 0 0 0 0
<COMMON> 3,052 6,103 6,103 6,104 6,104
<OTHER-SE> 52,365 48,988 50,311 50,615 50,615
<TOTAL-LIABILITIES-AND-EQUITY> 458,331 467,114 477,643 491,391 491,391
<INTEREST-LOAN> 5,827 5,969 5,991 6,172 23,959
<INTEREST-INVEST> 2,329 2,304 2,350 2,484 9,467
<INTEREST-OTHER> 6 13 94 160 273
<INTEREST-TOTAL> 8,162 8,286 8,435 8,816 33,699
<INTEREST-DEPOSIT> 3,069 3,111 3,188 3,306 12,674
<INTEREST-EXPENSE> 3,572 3,605 3,720 3,839 14,736
<INTEREST-INCOME-NET> 4,590 4,681 4,715 4,977 18,963
<LOAN-LOSSES> 180 180 120 190 670
<SECURITIES-GAINS> 8 0 0 0 8
<EXPENSE-OTHER> 2,780 2,792 2,927 3,044 11,543
<INCOME-PRETAX> 2,727 2,784 2,829 2,904 11,244
<INCOME-PRE-EXTRAORDINARY> 2,727 2,784 2,829 2,904 11,244
<EXTRAORDINARY> 0 0 0 0 0
<CHANGES> 0 0 0 0 0
<NET-INCOME> 1,924 1,966 1,988 2,046 7,924
<EPS-BASIC> 0.32 0.32 0.33 0.34 1.30
<EPS-DILUTED> 0.32 0.32 0.33 0.33 1.30
<YIELD-ACTUAL> 4.41 4.44 4.38 4.48 4.43
<LOANS-NON> 405 436 393 292 292
<LOANS-PAST> 246 277 351 287 287
<LOANS-TROUBLED> 0 0 0 0 0
<LOANS-PROBLEM> 0 0 0 0 0
<ALLOWANCE-OPEN> 3,821 3,910 4,021 4,063 3,821
<CHARGE-OFFS> 167 90 103 149 509
<RECOVERIES> 76 21 25 31 153
<ALLOWANCE-CLOSE> 3,910 4,021 4,063 4,135 4,135
<ALLOWANCE-DOMESTIC> 2,812 2,977 2,827 2,860 2,860
<ALLOWANCE-FOREIGN> 0 0 0 0 0
<ALLOWANCE-UNALLOCATED> 1,098 1,044 1,236 1,275 1,275