<ARTICLE> 9
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           19769
<INT-BEARING-DEPOSITS>                             273
<FED-FUNDS-SOLD>                                   675
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      54930
<INVESTMENTS-CARRYING>                           15693
<INVESTMENTS-MARKET>                             15917
<LOANS>                                         242100
<ALLOWANCE>                                       3103
<TOTAL-ASSETS>                                  347479
<DEPOSITS>                                      274566
<SHORT-TERM>                                     11858
<LIABILITIES-OTHER>                               2743
<LONG-TERM>                                      26593
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          6491
<OTHER-SE>                                       25228
<TOTAL-LIABILITIES-AND-EQUITY>                  347479
<INTEREST-LOAN>                                  19168
<INTEREST-INVEST>                                 3877
<INTEREST-OTHER>                                   408
<INTEREST-TOTAL>                                 23453
<INTEREST-DEPOSIT>                                9300
<INTEREST-EXPENSE>                               10547
<INTEREST-INCOME-NET>                            12906
<LOAN-LOSSES>                                      700
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                   9422
<INCOME-PRETAX>                                   6170
<INCOME-PRE-EXTRAORDINARY>                        4450
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4450
<EPS-BASIC>                                     1.59
<EPS-DILUTED>                                     1.55
<YIELD-ACTUAL>                                    4.34
<LOANS-NON>                                         63
<LOANS-PAST>                                       565
<LOANS-TROUBLED>                                   131
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  2735
<CHARGE-OFFS>                                      411
<RECOVERIES>                                        79
<ALLOWANCE-CLOSE>                                 3103
<ALLOWANCE-DOMESTIC>                              3103
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0