<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>                                             19,494
<INT-BEARING-DEPOSITS>                             17,703
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                       320,169
<INVESTMENTS-CARRYING>                                  0
<INVESTMENTS-MARKET>                                    0
<LOANS>                                           157,233
<ALLOWANCE>                                         1,234
<TOTAL-ASSETS>                                    544,759
<DEPOSITS>                                        292,619
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                               187,480
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              900
<OTHER-SE>                                         73,760
<TOTAL-LIABILITIES-AND-EQUITY>                    554,759
<INTEREST-LOAN>                                    11,443
<INTEREST-INVEST>                                       0
<INTEREST-OTHER>                                   22,715
<INTEREST-TOTAL>                                   34,158
<INTEREST-DEPOSIT>                                 11,676
<INTEREST-EXPENSE>                                 19,672
<INTEREST-INCOME-NET>                              14,486
<LOAN-LOSSES>                                         240
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     8,221
<INCOME-PRETAX>                                     6,976
<INCOME-PRE-EXTRAORDINARY>                              0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                        5,348
<EPS-BASIC>                                           .73
<EPS-DILUTED>                                         .72
<YIELD-ACTUAL>                                       2.87
<LOANS-NON>                                           223
<LOANS-PAST>                                          223
<LOANS-TROUBLED>                                      104
<LOANS-PROBLEM>                                     2,125
<ALLOWANCE-OPEN>                                    1,036
<CHARGE-OFFS>                                         (42)
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                   1,234
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0