<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH ANNUAL REPORT ON FORM 10-K.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          12,046
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,229
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        193,371
<ALLOWANCE>                                      2,132
<TOTAL-ASSETS>                                 275,825
<DEPOSITS>                                     223,303
<SHORT-TERM>                                       588
<LIABILITIES-OTHER>                              6,944
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,597
<OTHER-SE>                                      15,393
<TOTAL-LIABILITIES-AND-EQUITY>                 275,825
<INTEREST-LOAN>                                 16,577
<INTEREST-INVEST>                                3,367
<INTEREST-OTHER>                                   107
<INTEREST-TOTAL>                                20,051
<INTEREST-DEPOSIT>                               7,738
<INTEREST-EXPENSE>                               8,435
<INTEREST-INCOME-NET>                           11,616
<LOAN-LOSSES>                                      852
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,484
<INCOME-PRETAX>                                  4,305
<INCOME-PRE-EXTRAORDINARY>                       4,305
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,300
<EPS-BASIC>                                       1.64
<EPS-DILUTED>                                     1.64
<YIELD-ACTUAL>                                     5.1
<LOANS-NON>                                        329
<LOANS-PAST>                                       600
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,683
<ALLOWANCE-OPEN>                                 2,026
<CHARGE-OFFS>                                    1,050
<RECOVERIES>                                       304
<ALLOWANCE-CLOSE>                                2,132
<ALLOWANCE-DOMESTIC>                             1,652
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            480


</TABLE>