<TABLE> <S> <C>

<ARTICLE>                 9
<MULTIPLIER>                                             1,000

<S>                                                <C>
<PERIOD-TYPE>                                           12-MOS
<FISCAL-YEAR-END>                                  DEC-31-1999
<PERIOD-END>                                       DEC-31-1999
<CASH>                                                  27,837
<INT-BEARING-DEPOSITS>                                     687
<FED-FUNDS-SOLD>                                        20,370
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             94,084
<INVESTMENTS-CARRYING>                                 100,129
<INVESTMENTS-MARKET>                                    99,979
<LOANS>                                                398,060
<ALLOWANCE>                                              6,188
<TOTAL-ASSETS>                                         669,232
<DEPOSITS>                                             578,250
<SHORT-TERM>                                             6,658
<LIABILITIES-OTHER>                                      6,380
<LONG-TERM>                                             23,000
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                              2,491
<COMMON>                                                   595
<OTHER-SE>                                              51,858
<TOTAL-LIABILITIES-AND-EQUITY>                         669,232
<INTEREST-LOAN>                                         31,292
<INTEREST-INVEST>                                        9,874
<INTEREST-OTHER>                                           968
<INTEREST-TOTAL>                                        42,134
<INTEREST-DEPOSIT>                                      17,655
<INTEREST-EXPENSE>                                       2,312
<INTEREST-INCOME-NET>                                   22,167
<LOAN-LOSSES>                                              830
<SECURITIES-GAINS>                                           1
<EXPENSE-OTHER>                                         21,627
<INCOME-PRETAX>                                          4,829
<INCOME-PRE-EXTRAORDINARY>                               4,829
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             3,679
<EPS-BASIC>                                              27.56
<EPS-DILUTED>                                            27.56
<YIELD-ACTUAL>                                            7.10
<LOANS-NON>                                                243
<LOANS-PAST>                                               460
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                             42
<ALLOWANCE-OPEN>                                         5,962
<CHARGE-OFFS>                                              748
<RECOVERIES>                                               144
<ALLOWANCE-CLOSE>                                        6,188
<ALLOWANCE-DOMESTIC>                                     6,188
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0


</TABLE>