<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 20,893 <INT-BEARING-DEPOSITS> 321 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 136,945 <INVESTMENTS-CARRYING> 6,618 <INVESTMENTS-MARKET> 6,652 <LOANS> 362,764 <ALLOWANCE> 3,890 <TOTAL-ASSETS> 561,162 <DEPOSITS> 500,751 <SHORT-TERM> 1,750 <LIABILITIES-OTHER> 6,018 <LONG-TERM> 5,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,694 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 561,162 <INTEREST-LOAN> 28,148 <INTEREST-INVEST> 6,817 <INTEREST-OTHER> 446 <INTEREST-TOTAL> 35,411 <INTEREST-DEPOSIT> 15,579 <INTEREST-EXPENSE> 981 <INTEREST-INCOME-NET> 18,851 <LOAN-LOSSES> 643 <SECURITIES-GAINS> 36 <EXPENSE-OTHER> 15,661 <INCOME-PRETAX> 6,064 <INCOME-PRE-EXTRAORDINARY> 4,604 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,604 <EPS-BASIC> 1.26 <EPS-DILUTED> 1.25 <YIELD-ACTUAL> 7.77 <LOANS-NON> 862 <LOANS-PAST> 886 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,100 <CHARGE-OFFS> 615 <RECOVERIES> 193 <ALLOWANCE-CLOSE> 3,890 <ALLOWANCE-DOMESTIC> 3,890 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,775