<TABLE> <S> <C>


<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                            6209                   20467
<INT-BEARING-DEPOSITS>                            2286                      25
<FED-FUNDS-SOLD>                                  5400                    1500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      35458                   32254
<INVESTMENTS-CARRYING>                           33017                   31712
<INVESTMENTS-MARKET>                             31051                   31580
<LOANS>                                          82446                   71440
<ALLOWANCE>                                       1975                    1415
<TOTAL-ASSETS>                                  172496                  164901
<DEPOSITS>                                      139837                  137943
<SHORT-TERM>                                      6000                      18
<LIABILITIES-OTHER>                               1408                    1068
<LONG-TERM>                                      16225                   15749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1047                    1547
<COMMON>                                          1201                    1188
<OTHER-SE>                                        6778                    7388
<TOTAL-LIABILITIES-AND-EQUITY>                  172406                  164901
<INTEREST-LOAN>                                   6158                    5282
<INTEREST-INVEST>                                 3985                    3616
<INTEREST-OTHER>                                   471                     657
<INTEREST-TOTAL>                                 10615                    9555
<INTEREST-DEPOSIT>                                4244                    3775
<INTEREST-EXPENSE>                                1032                     823
<INTEREST-INCOME-NET>                             4433                    3941
<LOAN-LOSSES>                                      906                    1016
<SECURITIES-GAINS>                                  17                    (13)
<EXPENSE-OTHER>                                   5330                    4999
<INCOME-PRETAX>                                    595                     239
<INCOME-PRE-EXTRAORDINARY>                         595                     239
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       402                     226
<EPS-BASIC>                                       2.48                    1.25
<EPS-DILUTED>                                     2.34                    1.22
<YIELD-ACTUAL>                                    3.47                    3.82
<LOANS-NON>                                       2539                    1455
<LOANS-PAST>                                       227                     341
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  1415                     825
<CHARGE-OFFS>                                      503                     579
<RECOVERIES>                                       167                     153
<ALLOWANCE-CLOSE>                                 1950                    1415
<ALLOWANCE-DOMESTIC>                              1950                    1415
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             79                       2


</TABLE>