<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1999 ANNUAL
REPORT
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           3,097
<INT-BEARING-DEPOSITS>                              54
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,751
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         89,112
<ALLOWANCE>                                      1,055
<TOTAL-ASSETS>                                 105,713
<DEPOSITS>                                      72,030
<SHORT-TERM>                                     1,700
<LIABILITIES-OTHER>                              1,294
<LONG-TERM>                                     18,861
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,983
<OTHER-SE>                                       8,845
<TOTAL-LIABILITIES-AND-EQUITY>                 105,713
<INTEREST-LOAN>                                  6,782
<INTEREST-INVEST>                                  626
<INTEREST-OTHER>                                   117
<INTEREST-TOTAL>                                 7,525
<INTEREST-DEPOSIT>                               2,352
<INTEREST-EXPENSE>                               3,440
<INTEREST-INCOME-NET>                            4,085
<LOAN-LOSSES>                                       48
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,471
<INCOME-PRETAX>                                  2,158
<INCOME-PRE-EXTRAORDINARY>                       1,499
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,499
<EPS-BASIC>                                       2.51
<EPS-DILUTED>                                     2.49
<YIELD-ACTUAL>                                    4.24
<LOANS-NON>                                         32
<LOANS-PAST>                                       306
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,011
<CHARGE-OFFS>                                       37
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                1,055
<ALLOWANCE-DOMESTIC>                               629
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            426