<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
     SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                              16,715
<INT-BEARING-DEPOSITS>                                 847
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        154,445
<INVESTMENTS-CARRYING>                             381,093
<INVESTMENTS-MARKET>                               373,171
<LOANS>                                            289,896
<ALLOWANCE>                                          1,917
<TOTAL-ASSETS>                                     721,874
<DEPOSITS>                                         401,698
<SHORT-TERM>                                        40,940
<LIABILITIES-OTHER>                                  7,430
<LONG-TERM>                                        223,359
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               529
<OTHER-SE>                                          47,918
<TOTAL-LIABILITIES-AND-EQUITY>                     721,874
<INTEREST-LOAN>                                     21,843
<INTEREST-INVEST>                                   24,477
<INTEREST-OTHER>                                       702
<INTEREST-TOTAL>                                    47,022
<INTEREST-DEPOSIT>                                  14,645
<INTEREST-EXPENSE>                                  27,974
<INTEREST-INCOME-NET>                               19,048
<LOAN-LOSSES>                                          300
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                     13,533
<INCOME-PRETAX>                                      6,808
<INCOME-PRE-EXTRAORDINARY>                           6,808
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,422
<EPS-BASIC>                                           1.60
<EPS-DILUTED>                                         1.52
<YIELD-ACTUAL>                                        2.75
<LOANS-NON>                                              0
<LOANS-PAST>                                         2,886
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,909
<CHARGE-OFFS>                                         (296)
<RECOVERIES>                                             4
<ALLOWANCE-CLOSE>                                    1,917
<ALLOWANCE-DOMESTIC>                                 1,917
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,917



</TABLE>