<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>                                           2,256
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   876
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,553
<INVESTMENTS-CARRYING>                           3,819
<INVESTMENTS-MARKET>                             3,655
<LOANS>                                         48,478
<ALLOWANCE>                                        507
<TOTAL-ASSETS>                                  69,107
<DEPOSITS>                                      62,731
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                                358
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,460
<OTHER-SE>                                       3,557
<TOTAL-LIABILITIES-AND-EQUITY>                  69,107
<INTEREST-LOAN>                                  4,029
<INTEREST-INVEST>                                  939
<INTEREST-OTHER>                                   115
<INTEREST-TOTAL>                                 5,083
<INTEREST-DEPOSIT>                               2,236
<INTEREST-EXPENSE>                               2,252
<INTEREST-INCOME-NET>                            2,831
<LOAN-LOSSES>                                      447
<SECURITIES-GAINS>                                  13
<EXPENSE-OTHER>                                  2,084
<INCOME-PRETAX>                                    598
<INCOME-PRE-EXTRAORDINARY>                         460
<EXTRAORDINARY>                                      0
<CHANGES>                                           24
<NET-INCOME>                                       436
<EPS-BASIC>                                       3.10
<EPS-DILUTED>                                     3.10
<YIELD-ACTUAL>                                    4.64
<LOANS-NON>                                        228
<LOANS-PAST>                                       172
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    261
<ALLOWANCE-OPEN>                                   360
<CHARGE-OFFS>                                      368
<RECOVERIES>                                        68
<ALLOWANCE-CLOSE>                                  507
<ALLOWANCE-DOMESTIC>                               507
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            135


</TABLE>