<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                                        <C>             <C>             <C>
<PERIOD-TYPE>                              YEAR            YEAR            YEAR
<FISCAL-YEAR-END>                          DEC-31-1999     DEC-31-1998     DEC-31-1997
<PERIOD-END>                               DEC-31-1999     DEC-31-1998     DEC-31-1997
<CASH>                                           4,646           4,765           4,307
<INT-BEARING-DEPOSITS>                             409             134              86
<FED-FUNDS-SOLD>                                 3,436               1               0
<TRADING-ASSETS>                                     0               0               0
<INVESTMENTS-HELD-FOR-SALE>                     97,076          93,888          62,434
<INVESTMENTS-CARRYING>                           6,881           5,492          15,170
<INVESTMENTS-MARKET>                             6,842           5,479          15,100
<LOANS>                                        198,632         139,905         108,532
<ALLOWANCE>                                      2,511           1,805           1,360
<TOTAL-ASSETS>                                 318,660         249,193         193,523
<DEPOSITS>                                     237,481         191,226         143,603
<SHORT-TERM>                                    52,537          14,936          19,843
<LIABILITIES-OTHER>                              4,495           4,764           3,143
<LONG-TERM>                                      1,500          16,500          16,500
<PREFERRED-MANDATORY>                                0               0               0
<PREFERRED>                                          0               0               0
<COMMON>                                        12,678           9,711           9,682
<OTHER-SE>                                         (31)          2,056             752
<TOTAL-LIABILITIES-AND-EQUITY>                 308,660         239,193         193,523
<INTEREST-LOAN>                                 14,497          11,002           8,753
<INTEREST-INVEST>                                7,298           5,314           4,599
<INTEREST-OTHER>                                   134             200              96
<INTEREST-TOTAL>                                21,929          16,516          13,448
<INTEREST-DEPOSIT>                               8,822           7,448           5,896
<INTEREST-EXPENSE>                              11,420           8,922           7,532
<INTEREST-INCOME-NET>                           10,509           7,594           5,916
<LOAN-LOSSES>                                      719             505             400
<SECURITIES-GAINS>                                (151)            133              15
<EXPENSE-OTHER>                                  6,744           4,903           3,735
<INCOME-PRETAX>                                  3,170           2,543           1,931
<INCOME-PRE-EXTRAORDINARY>                       3,170           2,543           1,931
<EXTRAORDINARY>                                      0               0               0
<CHANGES>                                            0               0               0
<NET-INCOME>                                     2,405           1,755           1,341
<EPS-BASIC>                                       0.80            0.64            0.49
<EPS-DILUTED>                                     0.72            0.57            0.47
<YIELD-ACTUAL>                                    7.82            7.96            8.08
<LOANS-NON>                                        136           1,080             498
<LOANS-PAST>                                        56             611             151
<LOANS-TROUBLED>                                     0              55               0
<LOANS-PROBLEM>                                  4,635           1,080             498
<ALLOWANCE-OPEN>                                 1,805           1,360             961
<CHARGE-OFFS>                                       13              68               1
<RECOVERIES>                                         0               8               0
<ALLOWANCE-CLOSE>                                2,511           1,805           1,360
<ALLOWANCE-DOMESTIC>                             2,511           1,805           1,360
<ALLOWANCE-FOREIGN>                                  0               0               0
<ALLOWANCE-UNALLOCATED>                              0               0               0



</TABLE>