<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM DECEMBER 31,
1999 10-K REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           13410
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  2600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      65810
<INVESTMENTS-CARRYING>                           51149
<INVESTMENTS-MARKET>                             50476
<LOANS>                                         436129
<ALLOWANCE>                                     (3269)
<TOTAL-ASSETS>                                  595126
<DEPOSITS>                                      461115
<SHORT-TERM>                                     41999
<LIABILITIES-OTHER>                               2639
<LONG-TERM>                                      50488
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          2427
<OTHER-SE>                                       36458
<TOTAL-LIABILITIES-AND-EQUITY>                  595126
<INTEREST-LOAN>                                  33259
<INTEREST-INVEST>                                 6984
<INTEREST-OTHER>                                   574
<INTEREST-TOTAL>                                 40817
<INTEREST-DEPOSIT>                               16204
<INTEREST-EXPENSE>                               20693
<INTEREST-INCOME-NET>                            20124
<LOAN-LOSSES>                                     1509
<SECURITIES-GAINS>                                  31
<EXPENSE-OTHER>                                  15321
<INCOME-PRETAX>                                   6943
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4701
<EPS-BASIC>                                       1.97
<EPS-DILUTED>                                     1.96
<YIELD-ACTUAL>                                    3.71
<LOANS-NON>                                       2759
<LOANS-PAST>                                       161
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   2300
<ALLOWANCE-OPEN>                                  3815
<CHARGE-OFFS>                                     2299
<RECOVERIES>                                       244
<ALLOWANCE-CLOSE>                                 3269
<ALLOWANCE-DOMESTIC>                              3269
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0