<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1999 <CASH> 8,124 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,311 <INVESTMENTS-CARRYING> 34,425 <INVESTMENTS-MARKET> 33,579 <LOANS> 143,765 <ALLOWANCE> 1,888 <TOTAL-ASSETS> 243,150 <DEPOSITS> 201,738 <SHORT-TERM> 4,900 <LIABILITIES-OTHER> 482 <LONG-TERM> 7,113 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,847 <OTHER-SE> 20,070 <TOTAL-LIABILITIES-AND-EQUITY> 243,150 <INTEREST-LOAN> 12,698 <INTEREST-INVEST> 3,802 <INTEREST-OTHER> 568 <INTEREST-TOTAL> 17,068 <INTEREST-DEPOSIT> 7,580 <INTEREST-EXPENSE> 8,200 <INTEREST-INCOME-NET> 8,868 <LOAN-LOSSES> 240 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,319 <INCOME-PRETAX> 3,955 <INCOME-PRE-EXTRAORDINARY> 3,955 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,018 <EPS-BASIC> 4.28 <EPS-DILUTED> 4.28 <YIELD-ACTUAL> 4.00 <LOANS-NON> 287 <LOANS-PAST> 312 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,851 <CHARGE-OFFS> 283 <RECOVERIES> 80 <ALLOWANCE-CLOSE> 1,888 <ALLOWANCE-DOMESTIC> 1,888 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0