<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 19,174 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 100,765 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 366,501 <ALLOWANCE> 5,400 <TOTAL-ASSETS> 505,700 <DEPOSITS> 418,423 <SHORT-TERM> 7,000 <LIABILITIES-OTHER> 8,391 <LONG-TERM> 26,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,452 <OTHER-SE> 12,434 <TOTAL-LIABILITIES-AND-EQUITY> 505,700 <INTEREST-LOAN> 30,698 <INTEREST-INVEST> 6,600 <INTEREST-OTHER> 721 <INTEREST-TOTAL> 38,019 <INTEREST-DEPOSIT> 15,394 <INTEREST-EXPENSE> 16,441 <INTEREST-INCOME-NET> 21,578 <LOAN-LOSSES> 701 <SECURITIES-GAINS> (138) <EXPENSE-OTHER> 18,364 <INCOME-PRETAX> 10,847 <INCOME-PRE-EXTRAORDINARY> 7,265 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,265 <EPS-BASIC> 2.39 <EPS-DILUTED> 2.29 <YIELD-ACTUAL> 4.67 <LOANS-NON> 1,950 <LOANS-PAST> 6 <LOANS-TROUBLED> 225 <LOANS-PROBLEM> 1,156 <ALLOWANCE-OPEN> 4,825 <CHARGE-OFFS> 515 <RECOVERIES> 389 <ALLOWANCE-CLOSE> 5,400 <ALLOWANCE-DOMESTIC> 3,100 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,300