<ARTICLE>  9

                                            
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<FISCAL-YEAR-END>                                                           DEC-31-1999
<PERIOD-END>                                                                DEC-31-1999
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<ALLOWANCE>                                                                      (1,757)
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<SHORT-TERM>                                                                     50,107
<LIABILITIES-OTHER>                                                              12,191
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<PREFERRED>                                                                           0
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<OTHER-SE>                                                                       13,415
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<INTEREST-INCOME-NET>                                                             7,452
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<SECURITIES-GAINS>                                                                   71
<EXPENSE-OTHER>                                                                   8,862
<INCOME-PRETAX>                                                                   4,831
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<EXTRAORDINARY>                                                                       0
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<EPS-BASIC>                                                                      3.35
<EPS-DILUTED>                                                                      3.33
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<LOANS-NON>                                                                         968
<LOANS-PAST>                                                                        188
<LOANS-TROUBLED>                                                                      2
<LOANS-PROBLEM>                                                                       0
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<CHARGE-OFFS>                                                                       828
<RECOVERIES>                                                                        140
<ALLOWANCE-CLOSE>                                                                 1,757
<ALLOWANCE-DOMESTIC>                                                              1,230
<ALLOWANCE-FOREIGN>                                                                  19
<ALLOWANCE-UNALLOCATED>                                                             508