<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 17,245 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 98,405 <INVESTMENTS-CARRYING> 98,405 <INVESTMENTS-MARKET> 98,405 <LOANS> 469,615 <ALLOWANCE> 6,750 <TOTAL-ASSETS> 598,529 <DEPOSITS> 503,166 <SHORT-TERM> 7,343 <LIABILITIES-OTHER> 5,092 <LONG-TERM> 25,039 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,677 <OTHER-SE> 45,212 <TOTAL-LIABILITIES-AND-EQUITY> 598,529 <INTEREST-LOAN> 37,236 <INTEREST-INVEST> 6,248 <INTEREST-OTHER> 295 <INTEREST-TOTAL> 43,779 <INTEREST-DEPOSIT> 19,776 <INTEREST-EXPENSE> 1,374 <INTEREST-INCOME-NET> 22,629 <LOAN-LOSSES> 1,637 <SECURITIES-GAINS> 31 <EXPENSE-OTHER> 14,321 <INCOME-PRETAX> 9,800 <INCOME-PRE-EXTRAORDINARY> 9,800 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,793 <EPS-BASIC> 5.23 <EPS-DILUTED> 5.23 <YIELD-ACTUAL> 6.97 <LOANS-NON> 6,504 <LOANS-PAST> 2,264 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 8,768 <ALLOWANCE-OPEN> 6,750 <CHARGE-OFFS> 1,574 <RECOVERIES> 837 <ALLOWANCE-CLOSE> 6,750 <ALLOWANCE-DOMESTIC> 6,750 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0