<TABLE> <S> <C>

<ARTICLE>                                           9
<MULTIPLIER>                                        1,000

<S>                                                 <C>
<PERIOD-TYPE>                                       YEAR
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-START>                                      JAN-01-1999
<PERIOD-END>                                        DEC-31-1999
<CASH>                                                         8,724
<INT-BEARING-DEPOSITS>                                           142
<FED-FUNDS-SOLD>                                               2,917
<TRADING-ASSETS>                                                  82
<INVESTMENTS-HELD-FOR-SALE>                                    9,924
<INVESTMENTS-CARRYING>                                        14,541
<INVESTMENTS-MARKET>                                          14,072
<LOANS>                                                      155,838
<ALLOWANCE>                                                    2,341
<TOTAL-ASSETS>                                               209,481
<DEPOSITS>                                                   175,098
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            2,426
<LONG-TERM>                                                      630
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                      100
<COMMON>                                                          42
<OTHER-SE>                                                    16,680
<TOTAL-LIABILITIES-AND-EQUITY>                               209,481
<INTEREST-LOAN>                                               12,784
<INTEREST-INVEST>                                              1,378
<INTEREST-OTHER>                                                 549
<INTEREST-TOTAL>                                              14,711
<INTEREST-DEPOSIT>                                             4,963
<INTEREST-EXPENSE>                                             5,839
<INTEREST-INCOME-NET>                                          8,871
<LOAN-LOSSES>                                                    785
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                9,552
<INCOME-PRETAX>                                                3,655
<INCOME-PRE-EXTRAORDINARY>                                     3,655
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   2,333
<EPS-BASIC>                                                   0.56
<EPS-DILUTED>                                                   0.54
<YIELD-ACTUAL>                                                  5.40
<LOANS-NON>                                                    2,325
<LOANS-PAST>                                                     411
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               1,984
<CHARGE-OFFS>                                                    460
<RECOVERIES>                                                      32
<ALLOWANCE-CLOSE>                                              2,341
<ALLOWANCE-DOMESTIC>                                           2,341
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          278


</TABLE>