<TABLE> <S> <C>

<ARTICLE>         9
<MULTIPLIER>      1,000

<S>                                        <C>                     <C>
<PERIOD-TYPE>                              3-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-END>                               DEC-31-1999             DEC-31-1999
<CASH>                                         0                        12,402
<INT-BEARING-DEPOSITS>                         0                         2,128
<FED-FUNDS-SOLD>                               0                         5,300
<TRADING-ASSETS>                               0                             0
<INVESTMENTS-HELD-FOR-SALE>                    0                        93,849
<INVESTMENTS-CARRYING>                         0                        13,443
<INVESTMENTS-MARKET>                           0                        13,611
<LOANS>                                        0                       172,413
<ALLOWANCE>                                    0                         2,697
<TOTAL-ASSETS>                                 0                       314,908
<DEPOSITS>                                     0                       265,080
<SHORT-TERM>                                   0                         3,714
<LIABILITIES-OTHER>                            0                           789
<LONG-TERM>                                    0                        14,040
<PREFERRED-MANDATORY>                          0                             0
<PREFERRED>                                    0                             0
<COMMON>                                       0                         6,004
<OTHER-SE>                                     0                        25,281
<TOTAL-LIABILITIES-AND-EQUITY>                 0                       314,908
<INTEREST-LOAN>                            3,602                        12,816
<INTEREST-INVEST>                          1,734                         6,623
<INTEREST-OTHER>                             108                           529
<INTEREST-TOTAL>                           5,444                        19,968
<INTEREST-DEPOSIT>                         2,362                         8,303
<INTEREST-EXPENSE>                         2,600                         9,269
<INTEREST-INCOME-NET>                      2,844                        10,699
<LOAN-LOSSES>                                  0                           180
<SECURITIES-GAINS>                             0                             0
<EXPENSE-OTHER>                            2,046                         7,299
<INCOME-PRETAX>                            1,190                         4,687
<INCOME-PRE-EXTRAORDINARY>                   837                         3,299
<EXTRAORDINARY>                                0                             0
<CHANGES>                                      0                             0
<NET-INCOME>                                 837                         3,299
<EPS-BASIC>                               0.34                          1.37
<EPS-DILUTED>                               0.34                          1.36
<YIELD-ACTUAL>                                 0                          3.93
<LOANS-NON>                                    0                         1,507
<LOANS-PAST>                                   0                           108
<LOANS-TROUBLED>                               0                             0
<LOANS-PROBLEM>                                0                             0
<ALLOWANCE-OPEN>                               0                         1,580
<CHARGE-OFFS>                                  0                           281
<RECOVERIES>                                   0                            51
<ALLOWANCE-CLOSE>                              0                         2,697
<ALLOWANCE-DOMESTIC>                           0                         2,323
<ALLOWANCE-FOREIGN>                            0                             0
<ALLOWANCE-UNALLOCATED>                        0                           374


</TABLE>