<ARTICLE>                                            9

<MULTIPLIER>                                     1,000
<CURRENCY>                                U.S. DOLLARS

                                        
<PERIOD-TYPE>                                   12-Mos
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                  1.000
<CASH>                                          10,275
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<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                            10,178
<LOANS>                                        281,527
<ALLOWANCE>                                      2,950
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<SHORT-TERM>                                    12,868
<LIABILITIES-OTHER>                              2,671
<LONG-TERM>                                          0
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<PREFERRED>                                          0
<COMMON>                                            21
<OTHER-SE>                                      45,722
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<INTEREST-LOAN>                                 21,873
<INTEREST-INVEST>                                5,884
<INTEREST-OTHER>                                   563
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<INTEREST-DEPOSIT>                              10,703
<INTEREST-EXPENSE>                              11,213
<INTEREST-INCOME-NET>                           17,107
<LOAN-LOSSES>                                       89
<SECURITIES-GAINS>                                   0
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<INCOME-PRETAX>                                  6,452
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<YIELD-ACTUAL>                                    6.99
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<ALLOWANCE-CLOSE>                                2,950
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<ALLOWANCE-FOREIGN>                                  0
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