<ARTICLE> 9
<LEGEND>
This  schedule  contains  financial  information  from  the Consolidated Balance
Sheets  at  December  31, 1999 and the Consolidated Statements of Income for the
year  ended  December  31, 1999 and is qualified in its entirety by reference to
such  statements.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars

                                     
<PERIOD-TYPE>                           YEAR
<FISCAL-YEAR-END>                       DEC-31-1999
<PERIOD-START>                          JAN-01-1999
<PERIOD-END>                            DEC-31-1999
<EXCHANGE-RATE>                         1
<CASH>                                        3952
<INT-BEARING-DEPOSITS>                        4399
<FED-FUNDS-SOLD>                              1470
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  26466
<INVESTMENTS-CARRYING>                       26466
<INVESTMENTS-MARKET>                           938
<LOANS>                                     148170
<ALLOWANCE>                                   2163
<TOTAL-ASSETS>                              191229
<DEPOSITS>                                  157996
<SHORT-TERM>                                  6500
<LIABILITIES-OTHER>                           2142
<LONG-TERM>                                   7000
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                      3244
<OTHER-SE>                                   14347
<TOTAL-LIABILITIES-AND-EQUITY>              191229
<INTEREST-LOAN>                              13676
<INTEREST-INVEST>                             1451
<INTEREST-OTHER>                               250
<INTEREST-TOTAL>                             15377
<INTEREST-DEPOSIT>                            6086
<INTEREST-EXPENSE>                            6628
<INTEREST-INCOME-NET>                         8749
<LOAN-LOSSES>                                  445
<SECURITIES-GAINS>                              22
<EXPENSE-OTHER>                               6520
<INCOME-PRETAX>                               3344
<INCOME-PRE-EXTRAORDINARY>                    3344
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                  2408
<EPS-BASIC>                                  .07
<EPS-DILUTED>                                  .65
<YIELD-ACTUAL>                                   5
<LOANS-NON>                                    147
<LOANS-PAST>                                   130
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                              1827
<CHARGE-OFFS>                                  417
<RECOVERIES>                                   308
<ALLOWANCE-CLOSE>                             2163
<ALLOWANCE-DOMESTIC>                          2163
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0