<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>               DEC-31-1999
<PERIOD-END>                    DEC-31-1999
<CASH>                               19,000
<INT-BEARING-DEPOSITS>                  806
<FED-FUNDS-SOLD>                          0
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>          55,371
<INVESTMENTS-CARRYING>               16,009
<INVESTMENTS-MARKET>                 15,892
<LOANS>                             411,158
<ALLOWANCE>                           5,055
<TOTAL-ASSETS>                      522,057
<DEPOSITS>                          405,331
<SHORT-TERM>                         45,318
<LIABILITIES-OTHER>                   5,999
<LONG-TERM>                          22,701
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
<COMMON>                              3,549
<OTHER-SE>                           39,159
<TOTAL-LIABILITIES-AND-EQUITY>      522,057
<INTEREST-LOAN>                      35,539
<INTEREST-INVEST>                     4,316
<INTEREST-OTHER>                        151
<INTEREST-TOTAL>                     40,006
<INTEREST-DEPOSIT>                   15,602
<INTEREST-EXPENSE>                   18,837
<INTEREST-INCOME-NET>                21,169
<LOAN-LOSSES>                         2,303
<SECURITIES-GAINS>                      317
<EXPENSE-OTHER>                      16,060
<INCOME-PRETAX>                       5,938
<INCOME-PRE-EXTRAORDINARY>            5,938
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                          4,292<F1>
<EPS-BASIC>                            1.22<F1>
<EPS-DILUTED>                          1.22
<YIELD-ACTUAL>                         4.70
<LOANS-NON>                           2,953
<LOANS-PAST>                          3,711
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                         600
<ALLOWANCE-OPEN>                      4,277
<CHARGE-OFFS>                         1,793
<RECOVERIES>                            268
<ALLOWANCE-CLOSE>                     5,055
<ALLOWANCE-DOMESTIC>                  2,992
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>               2,063
<FN>
<F1>
In April 1999, the Board of Directors declared a 25% stock
split effective April 19, 1999, and prior Financial Data Schedules
have not been restated for the recapitalization.
</FN>