<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          17,313
<INT-BEARING-DEPOSITS>                          17,026
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<LONG-TERM>                                     72,000
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<OTHER-SE>                                      55,593
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<INTEREST-OTHER>                                 1,084
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<INTEREST-DEPOSIT>                              17,083
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<INTEREST-INCOME-NET>                           17,398
<LOAN-LOSSES>                                      719
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<EXPENSE-OTHER>                                 10,313
<INCOME-PRETAX>                                  8,698
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<CHARGE-OFFS>                                      210
<RECOVERIES>                                        19
<ALLOWANCE-CLOSE>                                2,811
<ALLOWANCE-DOMESTIC>                             2,811
<ALLOWANCE-FOREIGN>                                  0
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