<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> 34,119 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,868 <INVESTMENTS-CARRYING> 14,712 <INVESTMENTS-MARKET> 14,445 <LOANS> 268,640 <ALLOWANCE> 2,610 <TOTAL-ASSETS> 353,736 <DEPOSITS> 322,973 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,563 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,788 <OTHER-SE> 16,412 <TOTAL-LIABILITIES-AND-EQUITY> 353,736 <INTEREST-LOAN> 25,093 <INTEREST-INVEST> 1,310 <INTEREST-OTHER> 1,125 <INTEREST-TOTAL> 27,528 <INTEREST-DEPOSIT> 11,510 <INTEREST-EXPENSE> 11,586 <INTEREST-INCOME-NET> 15,942 <LOAN-LOSSES> 694 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 33,891 <INCOME-PRETAX> 5,406 <INCOME-PRE-EXTRAORDINARY> 5,406 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,076 <EPS-BASIC> 1.21 <EPS-DILUTED> 1.21 <YIELD-ACTUAL> 5.38 <LOANS-NON> 1,542 <LOANS-PAST> 120 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,094 <ALLOWANCE-OPEN> 2,300 <CHARGE-OFFS> 518 <RECOVERIES> 134 <ALLOWANCE-CLOSE> 2,610 <ALLOWANCE-DOMESTIC> 2,395 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 215