<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1,000

<S>                                <C>
<PERIOD-TYPE>                       12-Mos
<FISCAL-YEAR-END>                                                   DEC-31-1999
<PERIOD-START>                                                      JAN-01-1998
<PERIOD-END>                                                        DEC-31-1999
<CASH>                                                                   26,634
<INT-BEARING-DEPOSITS>                                                    2,792
<FED-FUNDS-SOLD>                                                            450
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              73,311
<INVESTMENTS-CARRYING>                                                   16,244
<INVESTMENTS-MARKET>                                                      6,072
<LOANS>                                                                 429,580
<ALLOWANCE>                                                               7,017
<TOTAL-ASSETS>                                                          587,870
<DEPOSITS>                                                              483,987
<SHORT-TERM>                                                             42,493
<LIABILITIES-OTHER>                                                       8,193
<LONG-TERM>                                                                   0
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  8,273
<OTHER-SE>                                                               44,924
<TOTAL-LIABILITIES-AND-EQUITY>                                          587,870
<INTEREST-LOAN>                                                          42,749
<INTEREST-INVEST>                                                         5,765
<INTEREST-OTHER>                                                            639
<INTEREST-TOTAL>                                                         49,153
<INTEREST-DEPOSIT>                                                       19,592
<INTEREST-EXPENSE>                                                       22,663
<INTEREST-INCOME-NET>                                                    26,490
<LOAN-LOSSES>                                                             4,656
<SECURITIES-GAINS>                                                        1,689
<EXPENSE-OTHER>                                                          30,615
<INCOME-PRETAX>                                                           1,291
<INCOME-PRE-EXTRAORDINARY>                                                1,291
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              1,213
<EPS-BASIC>                                                                0.15
<EPS-DILUTED>                                                              0.15
<YIELD-ACTUAL>                                                             4.90
<LOANS-NON>                                                              12,118
<LOANS-PAST>                                                              2,775
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                           2,170
<ALLOWANCE-OPEN>                                                          6,194
<CHARGE-OFFS>                                                             4,090
<RECOVERIES>                                                                257
<ALLOWANCE-CLOSE>                                                         7,017
<ALLOWANCE-DOMESTIC>                                                      7,017
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                   7,017


</TABLE>