<TABLE> <S> <C>

<ARTICLE>       9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at December 31, 1999 and the Consolidated  Statement
of Income for the year ended December 31, 1999 and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                  1,000

<S>                           <C>
<PERIOD-TYPE>                 YEAR
<FISCAL-YEAR-END>                                                  DEC-31-1999
<PERIOD-END>                                                       DEC-31-1999
<CASH>                                                                   4,555
<INT-BEARING-DEPOSITS>                                                       0
<FED-FUNDS-SOLD>                                                        12,410
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                             54,178
<INVESTMENTS-CARRYING>                                                       0
<INVESTMENTS-MARKET>                                                         0
<LOANS>                                                                 76,158
<ALLOWANCE>                                                                943
<TOTAL-ASSETS>                                                         153,583
<DEPOSITS>                                                             138,618
<SHORT-TERM>                                                                 0
<LIABILITIES-OTHER>                                                      1,229
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                14,255
<OTHER-SE>                                                               (519)
<TOTAL-LIABILITIES-AND-EQUITY>                                         153,583
<INTEREST-LOAN>                                                          6,331
<INTEREST-INVEST>                                                        3,048
<INTEREST-OTHER>                                                         1,023
<INTEREST-TOTAL>                                                        10,402
<INTEREST-DEPOSIT>                                                       5,687
<INTEREST-EXPENSE>                                                       5,687
<INTEREST-INCOME-NET>                                                    4,715
<LOAN-LOSSES>                                                              300
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          2,542
<INCOME-PRETAX>                                                          2,535
<INCOME-PRE-EXTRAORDINARY>                                               1,626
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             1,626
<EPS-BASIC>                                                                .82
<EPS-DILUTED>                                                              .76
<YIELD-ACTUAL>                                                            3.31
<LOANS-NON>                                                                209
<LOANS-PAST>                                                                20
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                            210
<ALLOWANCE-OPEN>                                                           955
<CHARGE-OFFS>                                                              333
<RECOVERIES>                                                                21
<ALLOWANCE-CLOSE>                                                          943
<ALLOWANCE-DOMESTIC>                                                       943
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0


</TABLE>