<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE 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 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>                                          12,038
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     91,909
<INVESTMENTS-CARRYING>                          35,245
<INVESTMENTS-MARKET>                            34,837
<LOANS>                                        277,468
<ALLOWANCE>                                      2,793
<TOTAL-ASSETS>                                 430,005
<DEPOSITS>                                     371,799
<SHORT-TERM>                                    13,000
<LIABILITIES-OTHER>                                930
<LONG-TERM>                                      3,889
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      36,608
<TOTAL-LIABILITIES-AND-EQUITY>                 430,005
<INTEREST-LOAN>                                 22,044
<INTEREST-INVEST>                                7,609
<INTEREST-OTHER>                                   348
<INTEREST-TOTAL>                                30,001
<INTEREST-DEPOSIT>                              13,783
<INTEREST-EXPENSE>                              14,322
<INTEREST-INCOME-NET>                           15,679
<LOAN-LOSSES>                                    1,495
<SECURITIES-GAINS>                                  21
<EXPENSE-OTHER>                                 11,931
<INCOME-PRETAX>                                  6,936
<INCOME-PRE-EXTRAORDINARY>                       4,782
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,782
<EPS-BASIC>                                       1.14
<EPS-DILUTED>                                     1.14
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                        472
<LOANS-PAST>                                       156
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,948
<CHARGE-OFFS>                                      826
<RECOVERIES>                                       176
<ALLOWANCE-CLOSE>                                2,793
<ALLOWANCE-DOMESTIC>                             1,772
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,021


</TABLE>