<ARTICLE>                     9
<LEGEND>
This schedule  contains summary  financial  information  extracted from the
consolidated  financial  information  incorporated  by  reference  from the 1999
Annual  Report  which is filed  herewith as Exhibit 13 and is  qualified  in its
entirety by reference to such financial information.
</LEGEND>

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                               Dec-31-1999
<PERIOD-START>                                  Jan-01-1999
<PERIOD-END>                                    Dec-31-1999
<CASH>                                           21,174,000
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                 64,000,000
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                     100,865,000
<INVESTMENTS-CARRYING>                          189,998,000
<INVESTMENTS-MARKET>                            187,258,000
<LOANS>                                         182,774,000
<ALLOWANCE>                                       2,033,000
<TOTAL-ASSETS>                                  570,551,000
<DEPOSITS>                                      503,189,000
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                               3,129,000
<LONG-TERM>                                               0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                            296,000
<OTHER-SE>                                       63,937,000
<TOTAL-LIABILITIES-AND-EQUITY>                  570,551,000
<INTEREST-LOAN>                                  15,113,000
<INTEREST-INVEST>                                15,411,000
<INTEREST-OTHER>                                  3,439,000
<INTEREST-TOTAL>                                 33,963,000
<INTEREST-DEPOSIT>                                9,513,000
<INTEREST-EXPENSE>                                        0
<INTEREST-INCOME-NET>                            24,450,000
<LOAN-LOSSES>                                             0
<SECURITIES-GAINS>                                        0
<EXPENSE-OTHER>                                  16,321,000
<INCOME-PRETAX>                                  13,095,000
<INCOME-PRE-EXTRAORDINARY>                        9,034,000
<EXTRAORDINARY>                                           0
<CHANGES>                                           945,000
<NET-INCOME>                                      9,979,000
<EPS-BASIC>                                            3.28
<EPS-DILUTED>                                          3.23
<YIELD-ACTUAL>                                         5.06
<LOANS-NON>                                          28,000
<LOANS-PAST>                                          5,000
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                  3,651,000
<CHARGE-OFFS>                                        60,000
<RECOVERIES>                                         42,000
<ALLOWANCE-CLOSE>                                 2,033,000
<ALLOWANCE-DOMESTIC>                              2,033,000
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0