<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> 17,006 <INT-BEARING-DEPOSITS> 1,147 <FED-FUNDS-SOLD> 13,389 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 69,516 <INVESTMENTS-CARRYING> 11,804 <INVESTMENTS-MARKET> 11,472 <LOANS> 438,567 <ALLOWANCE> 3,908 <TOTAL-ASSETS> 576,150 <DEPOSITS> 478,896 <SHORT-TERM> 39,546 <LIABILITIES-OTHER> 2,165 <LONG-TERM> 7,000 <PREFERRED-MANDATORY> 17,000 <PREFERRED> 0 <COMMON> 31,543 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 576,150 <INTEREST-LOAN> 27,288 <INTEREST-INVEST> 4,855 <INTEREST-OTHER> 294 <INTEREST-TOTAL> 32,437 <INTEREST-DEPOSIT> 13,773 <INTEREST-EXPENSE> 15,316 <INTEREST-INCOME-NET> 17,121 <LOAN-LOSSES> 77 <SECURITIES-GAINS> 92 <EXPENSE-OTHER> 12,598 <INCOME-PRETAX> 6,776 <INCOME-PRE-EXTRAORDINARY> 6,776 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,167 <EPS-BASIC> .98 <EPS-DILUTED> .96 <YIELD-ACTUAL> 4.02 <LOANS-NON> 2,001 <LOANS-PAST> 438 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,439 <ALLOWANCE-OPEN> 2,665 <CHARGE-OFFS> 623 <RECOVERIES> 120 <ALLOWANCE-CLOSE> 3,908 <ALLOWANCE-DOMESTIC> 3,908 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0