<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-K
FOR THE FISCAL YEAR ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                  1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                         14,271
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    53,196
<INVESTMENTS-CARRYING>                         52,636
<INVESTMENTS-MARKET>                           0
<LOANS>                                        265,029
<ALLOWANCE>                                    2,745
<TOTAL-ASSETS>                                 396,067
<DEPOSITS>                                     322,767
<SHORT-TERM>                                   18,402
<LIABILITIES-OTHER>                            3,968
<LONG-TERM>                                    15,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       9,153
<OTHER-SE>                                     26,777
<TOTAL-LIABILITIES-AND-EQUITY>                 396,067
<INTEREST-LOAN>                                20,808
<INTEREST-INVEST>                              6,410
<INTEREST-OTHER>                               94
<INTEREST-TOTAL>                               27,312
<INTEREST-DEPOSIT>                             10,796
<INTEREST-EXPENSE>                             11,815
<INTEREST-INCOME-NET>                          15,497
<LOAN-LOSSES>                                  405
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                11,870
<INCOME-PRETAX>                                6,644
<INCOME-PRE-EXTRAORDINARY>                     6,644
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   4,657
<EPS-BASIC>                                    1.27
<EPS-DILUTED>                                  1.23
<YIELD-ACTUAL>                                 4.42
<LOANS-NON>                                    1,451
<LOANS-PAST>                                   298
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,517
<CHARGE-OFFS>                                  328
<RECOVERIES>                                   151
<ALLOWANCE-CLOSE>                              2,745
<ALLOWANCE-DOMESTIC>                           2,462
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        283