<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10K AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                          12,205                  15,276
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 7,500                  73,028
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     31,665                  30,869
<INVESTMENTS-CARRYING>                          43,416                  32,503
<INVESTMENTS-MARKET>                            42,468                  33,218
<LOANS>                                        285,537                 233,211
<ALLOWANCE>                                      4,850                   4,424
<TOTAL-ASSETS>                                 385,371                 389,580
<DEPOSITS>                                     334,714                 342,949
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              4,453                   4,817
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        34,751                  32,723
<OTHER-SE>                                      11,453                   9,091
<TOTAL-LIABILITIES-AND-EQUITY>                 385,371                 389,580
<INTEREST-LOAN>                                 24,421                  22,412
<INTEREST-INVEST>                                5,711                   6,397
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                30,132                  28,809
<INTEREST-DEPOSIT>                               8,194                   8,770
<INTEREST-EXPENSE>                               8,217                   8,770
<INTEREST-INCOME-NET>                           21,915                  20,039
<LOAN-LOSSES>                                      315                     150
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 13,661                  12,511
<INCOME-PRETAX>                                  9,466                   9,160
<INCOME-PRE-EXTRAORDINARY>                       9,466                   9,160
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     5,850                   5,510
<EPS-BASIC>                                       1.24                    1.15
<EPS-DILUTED>                                     1.21                    1.10
<YIELD-ACTUAL>                                    6.09                    6.07
<LOANS-NON>                                        632                     208
<LOANS-PAST>                                       193                     112
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,424                   4,351
<CHARGE-OFFS>                                      804                     834
<RECOVERIES>                                       915                     757
<ALLOWANCE-CLOSE>                                4,850                   4,424
<ALLOWANCE-DOMESTIC>                             4,850                   4,424
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,217                   1,444