<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 41,582 <INT-BEARING-DEPOSITS> 850 <FED-FUNDS-SOLD> 8,640 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 117,814 <INVESTMENTS-CARRYING> 29,554 <INVESTMENTS-MARKET> 28,675 <LOANS> 331,268 <ALLOWANCE> 6,542 <TOTAL-ASSETS> 563,550 <DEPOSITS> 494,901 <SHORT-TERM> 17,600 <LIABILITIES-OTHER> 4,158 <LONG-TERM> 3,214 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 35,593 <OTHER-SE> 8,084 <TOTAL-LIABILITIES-AND-EQUITY> 563,550 <INTEREST-LOAN> 30,255 <INTEREST-INVEST> 8,507 <INTEREST-OTHER> 599 <INTEREST-TOTAL> 39,361 <INTEREST-DEPOSIT> 13,284 <INTEREST-EXPENSE> 14,040 <INTEREST-INCOME-NET> 25,321 <LOAN-LOSSES> 2,659 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 20,538 <INCOME-PRETAX> 7,213 <INCOME-PRE-EXTRAORDINARY> 5,109 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,109 <EPS-BASIC> 1.12 <EPS-DILUTED> 1.09 <YIELD-ACTUAL> 5.51 <LOANS-NON> 1,984 <LOANS-PAST> 6 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,990 <ALLOWANCE-OPEN> 4,775 <CHARGE-OFFS> 1,854 <RECOVERIES> 962 <ALLOWANCE-CLOSE> 6,542 <ALLOWANCE-DOMESTIC> 6,542 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0