<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE YEAR
END 10-K AND QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          13,311
<INT-BEARING-DEPOSITS>                           9,219
<FED-FUNDS-SOLD>                                 2,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    113,845
<INVESTMENTS-CARRYING>                          23,647
<INVESTMENTS-MARKET>                            23,496
<LOANS>                                        294,793
<ALLOWANCE>                                      3,231
<TOTAL-ASSETS>                                 472,134
<DEPOSITS>                                     407,187
<SHORT-TERM>                                    10,460
<LIABILITIES-OTHER>                              1,764
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,792
<OTHER-SE>                                      43,931
<TOTAL-LIABILITIES-AND-EQUITY>                 472,134
<INTEREST-LOAN>                                 24,105
<INTEREST-INVEST>                                9,059
<INTEREST-OTHER>                                   439
<INTEREST-TOTAL>                                33,603
<INTEREST-DEPOSIT>                              13,971
<INTEREST-EXPENSE>                              14,203
<INTEREST-INCOME-NET>                           19,400
<LOAN-LOSSES>                                    1,400
<SECURITIES-GAINS>                                  24
<EXPENSE-OTHER>                                 11,868
<INCOME-PRETAX>                                  9,644
<INCOME-PRE-EXTRAORDINARY>                       9,644
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,088
<EPS-BASIC>                                       1.96
<EPS-DILUTED>                                     1.96
<YIELD-ACTUAL>                                    4.85
<LOANS-NON>                                        151
<LOANS-PAST>                                     1,077
<LOANS-TROUBLED>                                    40
<LOANS-PROBLEM>                                    317
<ALLOWANCE-OPEN>                                 2,679
<CHARGE-OFFS>                                      978
<RECOVERIES>                                       130
<ALLOWANCE-CLOSE>                                3,231
<ALLOWANCE-DOMESTIC>                             3,231
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,579