<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-K
FOR THE YEAR ENDED DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                              11,924
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                    12,323
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         77,857
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            286,074
<ALLOWANCE>                                          2,849
<TOTAL-ASSETS>                                     416,602
<DEPOSITS>                                         356,567
<SHORT-TERM>                                        27,417
<LIABILITIES-OTHER>                                  2,284
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             7,007
<OTHER-SE>                                          23,327
<TOTAL-LIABILITIES-AND-EQUITY>                     416,602
<INTEREST-LOAN>                                     21,813
<INTEREST-INVEST>                                    4,522
<INTEREST-OTHER>                                       519
<INTEREST-TOTAL>                                    26,854
<INTEREST-DEPOSIT>                                  11,441
<INTEREST-EXPENSE>                                  12,455
<INTEREST-INCOME-NET>                               14,399
<LOAN-LOSSES>                                          670
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                     12,906
<INCOME-PRETAX>                                      4,434
<INCOME-PRE-EXTRAORDINARY>                           4,434
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         3,070
<EPS-BASIC>                                            .44
<EPS-DILUTED>                                          .43
<YIELD-ACTUAL>                                        4.12
<LOANS-NON>                                          2,963
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     2,436<F1>
<CHARGE-OFFS>                                         (295)
<RECOVERIES>                                            38
<ALLOWANCE-CLOSE>                                    2,849
<ALLOWANCE-DOMESTIC>                                 2,849
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0

<FN>
(F1)Other expense includes: salaries and employee benefits of $7.154, occupancy
of $2,559, data processing of $701, federal deposit insurance of $141,
advertising of $337, stationary, telephone and postage of $303 and supplies of
$416 and other expenses which totaled $1,295.
</FN>

</TABLE>