<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          20,259
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     89,151
<INVESTMENTS-CARRYING>                          54,868
<INVESTMENTS-MARKET>                            54,430
<LOANS>                                        267,141
<ALLOWANCE>                                      3,451
<TOTAL-ASSETS>                                 455,702
<DEPOSITS>                                     375,503
<SHORT-TERM>                                    31,286
<LIABILITIES-OTHER>                              5,201
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      37,725
<TOTAL-LIABILITIES-AND-EQUITY>                 455,702
<INTEREST-LOAN>                                 21,869
<INTEREST-INVEST>                                8,473
<INTEREST-OTHER>                                 1,401
<INTEREST-TOTAL>                                31,743
<INTEREST-DEPOSIT>                              11,616
<INTEREST-EXPENSE>                              13,044
<INTEREST-INCOME-NET>                           18,699
<LOAN-LOSSES>                                      795
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 13,030
<INCOME-PRETAX>                                  9,181
<INCOME-PRE-EXTRAORDINARY>                       6,105
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,105
<EPS-BASIC>                                      10.23<F1>
<EPS-DILUTED>                                    10.23<F1>
<YIELD-ACTUAL>                                    4.50<F1>
<LOANS-NON>                                        527
<LOANS-PAST>                                       142
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    527
<ALLOWANCE-OPEN>                                 3,132
<CHARGE-OFFS>                                      816
<RECOVERIES>                                       340
<ALLOWANCE-CLOSE>                                3,451
<ALLOWANCE-DOMESTIC>                             3,451
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER DOES NOT APPLY TO EPS AND YIELD DATA.
</FN>


</TABLE>