<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 1-MO <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 21,387 <INT-BEARING-DEPOSITS> 4,632 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52,434 <INVESTMENTS-CARRYING> 707 <INVESTMENTS-MARKET> 699 <LOANS> 422,599 <ALLOWANCE> 4,349 <TOTAL-ASSETS> 527,726 <DEPOSITS> 452,899 <SHORT-TERM> 7,508 <LIABILITIES-OTHER> 3,707 <LONG-TERM> 690 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 44,471 <OTHER-SE> 18,451 <TOTAL-LIABILITIES-AND-EQUITY> 527,726 <INTEREST-LOAN> 39,728 <INTEREST-INVEST> 3,760 <INTEREST-OTHER> 420 <INTEREST-TOTAL> 43,908 <INTEREST-DEPOSIT> 14,963 <INTEREST-EXPENSE> 15,434 <INTEREST-INCOME-NET> 28,474 <LOAN-LOSSES> 1,577 <SECURITIES-GAINS> 66 <EXPENSE-OTHER> 19,209 <INCOME-PRETAX> 13,600 <INCOME-PRE-EXTRAORDINARY> 13,600 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,712 <EPS-BASIC> 1.27 <EPS-DILUTED> 1.26 <YIELD-ACTUAL> 6.17 <LOANS-NON> 5,875 <LOANS-PAST> 489 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,819 <CHARGE-OFFS> 1,248 <RECOVERIES> 201 <ALLOWANCE-CLOSE> 4,349 <ALLOWANCE-DOMESTIC> 4,349 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0