<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 12/31/99 CONSOLIDATED BALANCE SHEETS AND THE 12/31/99 CONSOLIDATED STATEMENTS OF INCOME 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> 30,384 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 11,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 297,580 <INVESTMENTS-CARRYING> 49,275 <INVESTMENTS-MARKET> 49,411 <LOANS> 413,409 <ALLOWANCE> 9,787 <TOTAL-ASSETS> 819,881 <DEPOSITS> 685,143 <SHORT-TERM> 0 <LIABILITIES-OTHER> 13,473 <LONG-TERM> 41,064 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7 <OTHER-SE> 80,194 <TOTAL-LIABILITIES-AND-EQUITY> 819,881 <INTEREST-LOAN> 34,593 <INTEREST-INVEST> 20,669 <INTEREST-OTHER> 793 <INTEREST-TOTAL> 56,055 <INTEREST-DEPOSIT> 16,500 <INTEREST-EXPENSE> 18,862 <INTEREST-INCOME-NET> 37,193 <LOAN-LOSSES> 1,700 <SECURITIES-GAINS> (302) <EXPENSE-OTHER> 27,021 <INCOME-PRETAX> 14,130 <INCOME-PRE-EXTRAORDINARY> 9,216 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,216 <EPS-BASIC> 13.92 <EPS-DILUTED> 0 <YIELD-ACTUAL> 7.88 <LOANS-NON> 2,499 <LOANS-PAST> 12 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,589 <CHARGE-OFFS> 1,309 <RECOVERIES> 807 <ALLOWANCE-CLOSE> 9,787 <ALLOWANCE-DOMESTIC> 9,787 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,107