<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