<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM DECEMBER
31, 1999 FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           9,251
<INT-BEARING-DEPOSITS>                          12,205
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     75,363
<INVESTMENTS-CARRYING>                           6,794
<INVESTMENTS-MARKET>                             7,034
<LOANS>                                        292,830
<ALLOWANCE>                                      4,271
<TOTAL-ASSETS>                                 402,247
<DEPOSITS>                                     355,534
<SHORT-TERM>                                     4,839
<LIABILITIES-OTHER>                              3,559
<LONG-TERM>                                      2,671
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           809
<OTHER-SE>                                      34,835
<TOTAL-LIABILITIES-AND-EQUITY>                 402,247
<INTEREST-LOAN>                                 22,891
<INTEREST-INVEST>                                6,096
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                28,987
<INTEREST-DEPOSIT>                              11,488
<INTEREST-EXPENSE>                              11,803
<INTEREST-INCOME-NET>                           17,814
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                 10,070
<INCOME-PRETAX>                                  8,291
<INCOME-PRE-EXTRAORDINARY>                       8,291
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,464
<EPS-BASIC>                                       0.74
<EPS-DILUTED>                                     0.72
<YIELD-ACTUAL>                                    4.57
<LOANS-NON>                                        914
<LOANS-PAST>                                       633
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,023
<CHARGE-OFFS>                                       60
<RECOVERIES>                                       188
<ALLOWANCE-CLOSE>                                4,271
<ALLOWANCE-DOMESTIC>                             4,271
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>