<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED
DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           2,357
<INT-BEARING-DEPOSITS>                           2,246
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,065
<INVESTMENTS-CARRYING>                           6,967
<INVESTMENTS-MARKET>                             6,922
<LOANS>                                        111,716
<ALLOWANCE>                                        873
<TOTAL-ASSETS>                                 145,237
<DEPOSITS>                                     128,315
<SHORT-TERM>                                       666
<LIABILITIES-OTHER>                                905
<LONG-TERM>                                      6,545
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,930
<OTHER-SE>                                       1,875
<TOTAL-LIABILITIES-AND-EQUITY>                 145,237
<INTEREST-LOAN>                                  8,864
<INTEREST-INVEST>                                  713
<INTEREST-OTHER>                                   557
<INTEREST-TOTAL>                                10,134
<INTEREST-DEPOSIT>                               5,162
<INTEREST-EXPENSE>                               5,639
<INTEREST-INCOME-NET>                            4,495
<LOAN-LOSSES>                                      201
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,949
<INCOME-PRETAX>                                    806
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       642
<EPS-BASIC>                                        .63
<EPS-DILUTED>                                      .62
<YIELD-ACTUAL>                                    3.62
<LOANS-NON>                                        296
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   955
<CHARGE-OFFS>                                      331
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                  873
<ALLOWANCE-DOMESTIC>                               873
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0