<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 53,452 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 132,484 <INVESTMENTS-CARRYING> 32,886 <INVESTMENTS-MARKET> 32,723 <LOANS> 727,528 <ALLOWANCE> 7,270 <TOTAL-ASSETS> 980,799 <DEPOSITS> 877,303 <SHORT-TERM> 13,500 <LIABILITIES-OTHER> 12,662 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 77,334 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 980,799 <INTEREST-LOAN> 59,364 <INTEREST-INVEST> 7,567 <INTEREST-OTHER> 977 <INTEREST-TOTAL> 67,908 <INTEREST-DEPOSIT> 20,865 <INTEREST-EXPENSE> 21,121 <INTEREST-INCOME-NET> 46,787 <LOAN-LOSSES> 1,070 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 30,789 <INCOME-PRETAX> 21,699 <INCOME-PRE-EXTRAORDINARY> 21,699 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,124 <EPS-BASIC> 2.16 <EPS-DILUTED> 2.16 <YIELD-ACTUAL> 5.83 <LOANS-NON> 1,132 <LOANS-PAST> 1,741 <LOANS-TROUBLED> 275 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,955 <CHARGE-OFFS> 934 <RECOVERIES> 179 <ALLOWANCE-CLOSE> 7,270 <ALLOWANCE-DOMESTIC> 7,270 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0