<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           6,552
<INT-BEARING-DEPOSITS>                               2
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<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                          28,069
<INVESTMENTS-MARKET>                            27,061
<LOANS>                                        193,327
<ALLOWANCE>                                      1,798
<TOTAL-ASSETS>                                 276,298
<DEPOSITS>                                     210,082
<SHORT-TERM>                                    45,000
<LIABILITIES-OTHER>                              4,241
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           253
<OTHER-SE>                                      16,722
<TOTAL-LIABILITIES-AND-EQUITY>                 276,298
<INTEREST-LOAN>                                 14,313
<INTEREST-INVEST>                                3,455
<INTEREST-OTHER>                                   187
<INTEREST-TOTAL>                                17,955
<INTEREST-DEPOSIT>                               6,576
<INTEREST-EXPENSE>                               9,257
<INTEREST-INCOME-NET>                            8,698
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                  78
<EXPENSE-OTHER>                                  6,910
<INCOME-PRETAX>                                  4,613
<INCOME-PRE-EXTRAORDINARY>                       4,613
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-BASIC>                                       1.33
<EPS-DILUTED>                                     1.29
<YIELD-ACTUAL>                                    6.94
<LOANS-NON>                                         31
<LOANS-PAST>                                       650
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    674
<ALLOWANCE-OPEN>                                 1,742
<CHARGE-OFFS>                                       81
<RECOVERIES>                                        37
<ALLOWANCE-CLOSE>                                1,798
<ALLOWANCE-DOMESTIC>                             1,798
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0