<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-k and is qualified in its entirety by reference to such financial statements.
</LEGEND>

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1999
<CASH>                                           5,603
<INT-BEARING-DEPOSITS>                          32,069
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   668
<INVESTMENTS-HELD-FOR-SALE>                     14,364
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        279,011
<ALLOWANCE>                                      1,551
<TOTAL-ASSETS>                                 392,764
<DEPOSITS>                                     301,673
<SHORT-TERM>                                    27,504
<LIABILITIES-OTHER>                             13,383
<LONG-TERM>                                     12,832
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          3
<COMMON>                                            20
<OTHER-SE>                                      19,565
<TOTAL-LIABILITIES-AND-EQUITY>                 392,764
<INTEREST-LOAN>                                 19,799
<INTEREST-INVEST>                                2,292
<INTEREST-OTHER>                                 1,805
<INTEREST-TOTAL>                                23,896
<INTEREST-DEPOSIT>                              12,542
<INTEREST-EXPENSE>                              16,014
<INTEREST-INCOME-NET>                            7,882
<LOAN-LOSSES>                                      965
<SECURITIES-GAINS>                                 119
<EXPENSE-OTHER>                                  9,079
<INCOME-PRETAX>                                    178
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,577
<EPS-BASIC>                                       1.32
<EPS-DILUTED>                                     1.25
<YIELD-ACTUAL>                                    7.67
<LOANS-NON>                                      7,757
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   940
<CHARGE-OFFS>                                      354
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,551
<ALLOWANCE-DOMESTIC>                             1,551
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0