<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     The schedule contains summary financial information extracted from the
annual report on Form 10-K for the fiscal year ended  December  31, 1999 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-END>                                       DEC-31-1999
<CASH>                                                6,057
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                        200
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          20,622
<INVESTMENTS-CARRYING>                               92,908
<INVESTMENTS-MARKET>                                 89,850
<LOANS>                                             241,168
<ALLOWANCE>                                           2,315
<TOTAL-ASSETS>                                      372,292
<DEPOSITS>                                          238,123
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                   4,713
<LONG-TERM>                                          46,300
<PREFERRED-MANDATORY>                                    64
<PREFERRED>                                               0
<COMMON>                                                  0
<OTHER-SE>                                           83,092
<TOTAL-LIABILITIES-AND-EQUITY>                      372,292
<INTEREST-LOAN>                                      18,642
<INTEREST-INVEST>                                     6,193
<INTEREST-OTHER>                                        450
<INTEREST-TOTAL>                                     25,285
<INTEREST-DEPOSIT>                                    9,166
<INTEREST-EXPENSE>                                   11,037
<INTEREST-INCOME-NET>                                14,248
<LOAN-LOSSES>                                           246
<SECURITIES-GAINS>                                       12
<EXPENSE-OTHER>                                       6,102
<INCOME-PRETAX>                                       8,710
<INCOME-PRE-EXTRAORDINARY>                            8,710
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          5,682
<EPS-BASIC>                                          1.14
<EPS-DILUTED>                                          1.14
<YIELD-ACTUAL>                                         4.36
<LOANS-NON>                                               0
<LOANS-PAST>                                          1,236
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                     2,069
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    2,315
<ALLOWANCE-DOMESTIC>                                 2,315
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                665



</TABLE>