<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>                                          8,430
<INT-BEARING-DEPOSITS>                            398
<FED-FUNDS-SOLD>                                1,970
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    78,875
<INVESTMENTS-CARRYING>                          7,477
<INVESTMENTS-MARKET>                            7,411
<LOANS>                                       205,160
<ALLOWANCE>                                     3,344
<TOTAL-ASSETS>                                314,827
<DEPOSITS>                                    243,507
<SHORT-TERM>                                    8,600
<LIABILITIES-OTHER>                             6,066
<LONG-TERM>                                    30,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          180
<OTHER-SE>                                     26,474
<TOTAL-LIABILITIES-AND-EQUITY>                314,827
<INTEREST-LOAN>                                16,249
<INTEREST-INVEST>                               4,892
<INTEREST-OTHER>                                  108
<INTEREST-TOTAL>                               21,249
<INTEREST-DEPOSIT>                              7,851
<INTEREST-EXPENSE>                              9,115
<INTEREST-INCOME-NET>                          12,134
<LOAN-LOSSES>                                     470
<SECURITIES-GAINS>                                 59
<EXPENSE-OTHER>                                 8,576
<INCOME-PRETAX>                                 5,022
<INCOME-PRE-EXTRAORDINARY>                      5,022
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    3,508
<EPS-BASIC>                                      2.09
<EPS-DILUTED>                                    2.08
<YIELD-ACTUAL>                                   4.48
<LOANS-NON>                                       596
<LOANS-PAST>                                       61
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                3,333
<CHARGE-OFFS>                                     632
<RECOVERIES>                                      173
<ALLOWANCE-CLOSE>                               3,344
<ALLOWANCE-DOMESTIC>                            3,344
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         1,035