<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 10,074,000 <INT-BEARING-DEPOSITS> 6,923,000 <FED-FUNDS-SOLD> 37,090,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52,789,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 124,116,000 <ALLOWANCE> 2,300,000 <TOTAL-ASSETS> 233,033,000 <DEPOSITS> 205,732,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 5,285,000 <LONG-TERM> 1,313,000 <PREFERRED-MANDATORY> 13,166,000 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 7,537,000 <TOTAL-LIABILITIES-AND-EQUITY> 233,033,000 <INTEREST-LOAN> 9,910,000 <INTEREST-INVEST> 3,861,000 <INTEREST-OTHER> 1,486,000 <INTEREST-TOTAL> 15,257,000 <INTEREST-DEPOSIT> 4,444,000 <INTEREST-EXPENSE> 4,461,000 <INTEREST-INCOME-NET> 10,796,000 <LOAN-LOSSES> (206,000) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,859,000 <INCOME-PRETAX> 2,939,000 <INCOME-PRE-EXTRAORDINARY> 1,726,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,726,000 <EPS-BASIC> 0.61 <EPS-DILUTED> 0.59 <YIELD-ACTUAL> .048 <LOANS-NON> 129,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,500,000 <CHARGE-OFFS> 46,000 <RECOVERIES> 52,000 <ALLOWANCE-CLOSE> 2,300,000 <ALLOWANCE-DOMESTIC> 2,300,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0