<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 13,354 <INT-BEARING-DEPOSITS> 1,700 <FED-FUNDS-SOLD> 7,865 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 29,445 <INVESTMENTS-MARKET> 29,291 <LOANS> 282,091 <ALLOWANCE> (4,006) <TOTAL-ASSETS> 486,189 <DEPOSITS> 348,672 <SHORT-TERM> 84,386 <LIABILITIES-OTHER> 2,896 <LONG-TERM> 0 <PREFERRED-MANDATORY> 24,564 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 25,671 <TOTAL-LIABILITIES-AND-EQUITY> 486,189 <INTEREST-LOAN> 17,577 <INTEREST-INVEST> 3,243 <INTEREST-OTHER> 8,010 <INTEREST-TOTAL> 28,830 <INTEREST-DEPOSIT> 10,534 <INTEREST-EXPENSE> 13,195 <INTEREST-INCOME-NET> 15,635 <LOAN-LOSSES> 3,628 <SECURITIES-GAINS> (28) <EXPENSE-OTHER> 10,462 <INCOME-PRETAX> 3,492 <INCOME-PRE-EXTRAORDINARY> 3,492 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,222 <EPS-BASIC> 0.58 <EPS-DILUTED> 0.56 <YIELD-ACTUAL> 8.95 <LOANS-NON> 2,874 <LOANS-PAST> 1,426 <LOANS-TROUBLED> 515 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> (2,177) <CHARGE-OFFS> 2,375 <RECOVERIES> (60) <ALLOWANCE-CLOSE> (4,006) <ALLOWANCE-DOMESTIC> (4,006) <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> (4,006)