<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>                                           1,411
<INT-BEARING-DEPOSITS>                           3,787
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,985
<INVESTMENTS-CARRYING>                          24,361
<INVESTMENTS-MARKET>                            23,028
<LOANS>                                        151,945
<ALLOWANCE>                                        983
<TOTAL-ASSETS>                                 200,572
<DEPOSITS>                                     120,491
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,151
<LONG-TERM>                                     62,977
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,843
<OTHER-SE>                                       5,110
<TOTAL-LIABILITIES-AND-EQUITY>                 200,572
<INTEREST-LOAN>                                 10,583
<INTEREST-INVEST>                                2,395
<INTEREST-OTHER>                                   216
<INTEREST-TOTAL>                                13,194
<INTEREST-DEPOSIT>                               4,525
<INTEREST-EXPENSE>                               7,532
<INTEREST-INCOME-NET>                            5,662
<LOAN-LOSSES>                                      438
<SECURITIES-GAINS>                                  73
<EXPENSE-OTHER>                                  4,715
<INCOME-PRETAX>                                  1,380
<INCOME-PRE-EXTRAORDINARY>                       1,380
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       851
<EPS-BASIC>                                        .93
<EPS-DILUTED>                                      .93
<YIELD-ACTUAL>                                    3.10
<LOANS-NON>                                      1,127
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    346
<ALLOWANCE-OPEN>                                   571
<CHARGE-OFFS>                                       26
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  983
<ALLOWANCE-DOMESTIC>                               895
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             88