<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>                                          15,127
<INT-BEARING-DEPOSITS>                           1,000
<FED-FUNDS-SOLD>                                 3,557
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,832
<INVESTMENTS-CARRYING>                          26,730
<INVESTMENTS-MARKET>                            26,236
<LOANS>                                        243,676
<ALLOWANCE>                                      2,643
<TOTAL-ASSETS>                                 322,410
<DEPOSITS>                                     272,718
<SHORT-TERM>                                       503
<LIABILITIES-OTHER>                              1,572
<LONG-TERM>                                        503
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,098
<OTHER-SE>                                      25,824
<TOTAL-LIABILITIES-AND-EQUITY>                 322,410
<INTEREST-LOAN>                                 19,675
<INTEREST-INVEST>                                2,495
<INTEREST-OTHER>                                   258
<INTEREST-TOTAL>                                22,428
<INTEREST-DEPOSIT>                               9,684
<INTEREST-EXPENSE>                              10,490
<INTEREST-INCOME-NET>                           11,938
<LOAN-LOSSES>                                      619
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,185
<INCOME-PRETAX>                                  6,469
<INCOME-PRE-EXTRAORDINARY>                       6,469
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,714
<EPS-BASIC>                                        .89
<EPS-DILUTED>                                      .89
<YIELD-ACTUAL>                                    8.25
<LOANS-NON>                                          0
<LOANS-PAST>                                       971
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    828
<ALLOWANCE-OPEN>                                 2,193
<CHARGE-OFFS>                                      203
<RECOVERIES>                                        34
<ALLOWANCE-CLOSE>                                2,643
<ALLOWANCE-DOMESTIC>                             2,643
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0