<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 18,295 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 15,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 112,764 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 112,764 <LOANS> 212,076 <ALLOWANCE> 3,726 <TOTAL-ASSETS> 370,008 <DEPOSITS> 300,613 <SHORT-TERM> 31,500 <LIABILITIES-OTHER> 4,856 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21,462 <OTHER-SE> 11,577 <TOTAL-LIABILITIES-AND-EQUITY> 370,008 <INTEREST-LOAN> 19,403 <INTEREST-INVEST> 7,013 <INTEREST-OTHER> 885 <INTEREST-TOTAL> 27,301 <INTEREST-DEPOSIT> 6,179 <INTEREST-EXPENSE> 7,273 <INTEREST-INCOME-NET> 20,028 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 52 <EXPENSE-OTHER> 13,372 <INCOME-PRETAX> 11,326 <INCOME-PRE-EXTRAORDINARY> 11,326 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,939 <EPS-BASIC> 1.45 <EPS-DILUTED> 1.41 <YIELD-ACTUAL> .064 <LOANS-NON> 1,098 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,871 <CHARGE-OFFS> 115 <RECOVERIES> 260 <ALLOWANCE-CLOSE> 3,726 <ALLOWANCE-DOMESTIC> 3,726 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0