<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