<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Consolidated Balance Sheet and the Consolidated Statement of Income filed as part of the annual report on Form 10-K and is qualified in its entirety by reference to such annual report on Form 10-K. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 19,217 <INT-BEARING-DEPOSITS> 766 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 1,235 <INVESTMENTS-HELD-FOR-SALE> 29,599 <INVESTMENTS-CARRYING> 12,449 <INVESTMENTS-MARKET> 12,016 <LOANS> 446,439 <ALLOWANCE> 3,652 <TOTAL-ASSETS> 544,523 <DEPOSITS> 364,604 <SHORT-TERM> 840 <LIABILITIES-OTHER> 8,308 <LONG-TERM> 74,057 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5 <OTHER-SE> 96,654 <TOTAL-LIABILITIES-AND-EQUITY> 544,523 <INTEREST-LOAN> 32,739 <INTEREST-INVEST> 1,845 <INTEREST-OTHER> 227 <INTEREST-TOTAL> 34,811 <INTEREST-DEPOSIT> 15,854 <INTEREST-EXPENSE> 19,242 <INTEREST-INCOME-NET> 15,569 <LOAN-LOSSES> 760 <SECURITIES-GAINS> 32 <EXPENSE-OTHER> 16,677 <INCOME-PRETAX> 984 <INCOME-PRE-EXTRAORDINARY> 846 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 846 <EPS-BASIC> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 3.41 <LOANS-NON> 753 <LOANS-PAST> 28 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,300 <ALLOWANCE-OPEN> 3,424 <CHARGE-OFFS> 651 <RECOVERIES> 119 <ALLOWANCE-CLOSE> 3,652 <ALLOWANCE-DOMESTIC> 3,652 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 335