<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL  REPORT ON FORM 10-KSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                          <C>
<PERIOD-TYPE>                                 12-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  DEC-31-1999
<CASH>                                           5,036
<INT-BEARING-DEPOSITS>                             536
<FED-FUNDS-SOLD>                                 5,760
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     28,503
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        147,790
<ALLOWANCE>                                      1,237
<TOTAL-ASSETS>                                 196,782
<DEPOSITS>                                     165,526
<SHORT-TERM>                                    17,998
<LIABILITIES-OTHER>                              1,275
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            99
<OTHER-SE>                                      11,883
<TOTAL-LIABILITIES-AND-EQUITY>                 196,782
<INTEREST-LOAN>                                 12,450
<INTEREST-INVEST>                                1,750
<INTEREST-OTHER>                                   471
<INTEREST-TOTAL>                                14,671
<INTEREST-DEPOSIT>                               7,257
<INTEREST-EXPENSE>                               7,501
<INTEREST-INCOME-NET>                            7,170
<LOAN-LOSSES>                                      341
<SECURITIES-GAINS>                                  68
<EXPENSE-OTHER>                                  6,143
<INCOME-PRETAX>                                  1,529
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,003
<EPS-BASIC>                                       1.09
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    3.93
<LOANS-NON>                                        396
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    256
<ALLOWANCE-OPEN>                                   943
<CHARGE-OFFS>                                       71
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                1,237
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>