<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