<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 5,472 <INT-BEARING-DEPOSITS> 18 <FED-FUNDS-SOLD> 5,275 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 24,898 <INVESTMENTS-CARRYING> 26,103 <INVESTMENTS-MARKET> 26,103 <LOANS> 175,119 <ALLOWANCE> (1,627) <TOTAL-ASSETS> 217,394 <DEPOSITS> 181,276 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 1,649 <LONG-TERM> 9,100 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 20,169 <TOTAL-LIABILITIES-AND-EQUITY> 217,349 <INTEREST-LOAN> 13,341 <INTEREST-INVEST> 1,666 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 15,007 <INTEREST-DEPOSIT> 6,781 <INTEREST-EXPENSE> 7,329 <INTEREST-INCOME-NET> 7,678 <LOAN-LOSSES> 850 <SECURITIES-GAINS> (3) <EXPENSE-OTHER> 6,426 <INCOME-PRETAX> 2,108 <INCOME-PRE-EXTRAORDINARY> 2,108 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,405 <EPS-BASIC> 1.88 <EPS-DILUTED> 1.88 <YIELD-ACTUAL> 8.19 <LOANS-NON> 1,439 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,044 <ALLOWANCE-OPEN> 1,106 <CHARGE-OFFS> 443 <RECOVERIES> 114 <ALLOWANCE-CLOSE> 1,627 <ALLOWANCE-DOMESTIC> 1,627 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0