<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME AND CONSOLIDATED
BALANCE SHEETS FOUND ON PAGES 125 AND 126 OF THE COMPANY'S FORM 10-K FOR
THE YEAR-TO-DATE, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          10,991
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    105,630
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        276,850
<ALLOWANCE>                                      3,799
<TOTAL-ASSETS>                                 407,112
<DEPOSITS>                                     362,483
<SHORT-TERM>                                     5,500
<LIABILITIES-OTHER>                              3,615
<LONG-TERM>                                         39
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           672
<OTHER-SE>                                      34,803
<TOTAL-LIABILITIES-AND-EQUITY>                 407,112
<INTEREST-LOAN>                                 21,298
<INTEREST-INVEST>                                6,352
<INTEREST-OTHER>                                   162
<INTEREST-TOTAL>                                27,812
<INTEREST-DEPOSIT>                              13,946
<INTEREST-EXPENSE>                              14,022
<INTEREST-INCOME-NET>                           13,790
<LOAN-LOSSES>                                      535
<SECURITIES-GAINS>                                 408
<EXPENSE-OTHER>                                  9,429
<INCOME-PRETAX>                                  5,938
<INCOME-PRE-EXTRAORDINARY>                       5,938
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,600
<EPS-BASIC>                                       2.17
<EPS-DILUTED>                                     2.17
<YIELD-ACTUAL>                                    7.76
<LOANS-NON>                                      2,471
<LOANS-PAST>                                     3,965
<LOANS-TROUBLED>                                   149
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,050
<CHARGE-OFFS>                                      964
<RECOVERIES>                                       178
<ALLOWANCE-CLOSE>                                3,799
<ALLOWANCE-DOMESTIC>                             3,799
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>