<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   12-MOS

<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           8,585
<INT-BEARING-DEPOSITS>                             115
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     61,330
<INVESTMENTS-CARRYING>                          61,330
<INVESTMENTS-MARKET>                            60,455
<LOANS>                                        180,691
<ALLOWANCE>                                      2,455
<TOTAL-ASSETS>                                 265,053
<DEPOSITS>                                     204,389
<SHORT-TERM>                                    15,406
<LIABILITIES-OTHER>                              2,568
<LONG-TERM>                                     20,822
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           231
<OTHER-SE>                                      21,637
<TOTAL-LIABILITIES-AND-EQUITY>                 265,053
<INTEREST-LOAN>                                 14,613
<INTEREST-INVEST>                                3,321
<INTEREST-OTHER>                                   390
<INTEREST-TOTAL>                                18,324
<INTEREST-DEPOSIT>                               6,519
<INTEREST-EXPENSE>                               8,074
<INTEREST-INCOME-NET>                           10,250
<LOAN-LOSSES>                                      547
<SECURITIES-GAINS>                                 423
<EXPENSE-OTHER>                                  8,218
<INCOME-PRETAX>                                  5,066
<INCOME-PRE-EXTRAORDINARY>                       3,755
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,755
<EPS-BASIC>                                       1.70
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    4.69
<LOANS-NON>                                         64
<LOANS-PAST>                                        97
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,971
<CHARGE-OFFS>                                      128
<RECOVERIES>                                        65
<ALLOWANCE-CLOSE>                                2,455
<ALLOWANCE-DOMESTIC>                             2,455
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0