<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
     SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                        
<PERIOD-TYPE>                                 12-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  DEC-31-1999
<CASH>                                         19,172
<INT-BEARING-DEPOSITS>                          3,093
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   149,099
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                       258,136
<ALLOWANCE>                                     2,366
<TOTAL-ASSETS>                                445,721
<DEPOSITS>                                    368,680
<SHORT-TERM>                                   13,457
<LIABILITIES-OTHER>                             3,679
<LONG-TERM>                                    22,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        3,780
<OTHER-SE>                                     34,126
<TOTAL-LIABILITIES-AND-EQUITY>                445,721
<INTEREST-LOAN>                                19,711
<INTEREST-INVEST>                               9,231
<INTEREST-OTHER>                                  500
<INTEREST-TOTAL>                               29,442
<INTEREST-DEPOSIT>                             12,474
<INTEREST-EXPENSE>                              1,170
<INTEREST-INCOME-NET>                          15,799
<LOAN-LOSSES>                                     300
<SECURITIES-GAINS>                                 24
<EXPENSE-OTHER>                                 9,233
<INCOME-PRETAX>                                 9,318
<INCOME-PRE-EXTRAORDINARY>                      9,318
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    6,336
<EPS-BASIC>                                      2.10
<EPS-DILUTED>                                    2.10
<YIELD-ACTUAL>                                   3.07
<LOANS-NON>                                       150
<LOANS-PAST>                                    1,590
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                2,228
<CHARGE-OFFS>                                     175
<RECOVERIES>                                       13
<ALLOWANCE-CLOSE>                               2,366
<ALLOWANCE-DOMESTIC>                            2,366
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0