<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
                                  EXHIBIT 27.1

                            FINANCIAL DATA SCHEDULE

                                   ARTICLE 9

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1999
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           7,911
<INT-BEARING-DEPOSITS>                           3,546
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,044
<INVESTMENTS-CARRYING>                          53,044
<INVESTMENTS-MARKET>                            53,044
<LOANS>                                        186,348
<ALLOWANCE>                                      1,586
<TOTAL-ASSETS>                                 270,226
<DEPOSITS>                                     179,882
<SHORT-TERM>                                    11,546
<LIABILITIES-OTHER>                              3,014
<LONG-TERM>                                     46,425
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        28,002
<OTHER-SE>                                       1,357
<TOTAL-LIABILITIES-AND-EQUITY>                 270,226
<INTEREST-LOAN>                                 13,825
<INTEREST-INVEST>                                3,181
<INTEREST-OTHER>                                   335
<INTEREST-TOTAL>                                17,341
<INTEREST-DEPOSIT>                               6,880
<INTEREST-EXPENSE>                               2,677
<INTEREST-INCOME-NET>                            7,784
<LOAN-LOSSES>                                      204
<SECURITIES-GAINS>                                  30
<EXPENSE-OTHER>                                  7,102
<INCOME-PRETAX>                                  4,008
<INCOME-PRE-EXTRAORDINARY>                       4,008
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,469
<EPS-BASIC>                                       1.47
<EPS-DILUTED>                                     1.47
<YIELD-ACTUAL>                                    7.46
<LOANS-NON>                                        230
<LOANS-PAST>                                       117
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,485
<CHARGE-OFFS>                                      109
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                1,586
<ALLOWANCE-DOMESTIC>                             1,586
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0





</TABLE>