<ARTICLE> 9 <LEGEND> The schedule contains summary financial information extracted from the consolidated balance sheet and the consolidated statement of income filed as part of the annual report of form 10-K and is qualified in its entirety by reference to such financial statements. </LEGEND> <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 10,526 <INT-BEARING-DEPOSITS> 257 <FED-FUNDS-SOLD> 2,484 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 30,544 <INVESTMENTS-CARRYING> 74,843 <INVESTMENTS-MARKET> 73,631 <LOANS> 198,280 <ALLOWANCE> 3,419 <TOTAL-ASSETS> 326,546 <DEPOSITS> 269,939 <SHORT-TERM> 12,836 <LIABILITIES-OTHER> 860 <LONG-TERM> 9,710 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,674 <OTHER-SE> 16,528 <TOTAL-LIABILITIES-AND-EQUITY> 326,546 <INTEREST-LOAN> 17,715 <INTEREST-INVEST> 5,387 <INTEREST-OTHER> 605 <INTEREST-TOTAL> 23,707 <INTEREST-DEPOSIT> 10,869 <INTEREST-EXPENSE> 11,682 <INTEREST-INCOME-NET> 12,025 <LOAN-LOSSES> 1,100 <SECURITIES-GAINS> 6 <EXPENSE-OTHER> 7,573 <INCOME-PRETAX> 5,415 <INCOME-PRE-EXTRAORDINARY> 4,266 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,266 <EPS-BASIC> 1.61 <EPS-DILUTED> 1.61 <YIELD-ACTUAL> 3.96 <LOANS-NON> 529 <LOANS-PAST> 1,008 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,888 <CHARGE-OFFS> 605 <RECOVERIES> 36 <ALLOWANCE-CLOSE> 3,419 <ALLOWANCE-DOMESTIC> 3,067 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 352