<TABLE> <S> <C>


<ARTICLE>                       9

<MULTIPLIER>                    1,000

<S>                             <C>                         <C>
<PERIOD-TYPE>                   12-MOS                      12-MOS
<FISCAL-YEAR-END>               DEC-31-2000                 DEC-31-1999
<PERIOD-END>                    DEC-31-2000                 DEC-01-1999
<CASH>                           $19,123                      $17,410
<INT-BEARING-DEPOSITS>                 0                            0
<FED-FUNDS-SOLD>                   4,804                            0
<TRADING-ASSETS>                       0                            0
<INVESTMENTS-HELD-FOR-SALE>       86,389                       78,792
<INVESTMENTS-CARRYING>            16,705                       20,345
<INVESTMENTS-MARKET>                   0                            0
<LOANS>                          340,959                      325,377
<ALLOWANCE>                        3,763                        3,718
<TOTAL-ASSETS>                   500,954                      472,670
<DEPOSITS>                       371,854                      366,819
<SHORT-TERM>                      34,174                       46,090
<LIABILITIES-OTHER>                3,718                        3,705
<LONG-TERM>                       44,237                       12,381
<PREFERRED-MANDATORY>                  0                            0
<PREFERRED>                            0                            0
<COMMON>                           3,718                        3,705
<OTHER-SE>                        43,171                       39,975
<TOTAL-LIABILITIES-AND-EQUITY>   500,954                      472,670
<INTEREST-LOAN>                   31,631                       29,382
<INTEREST-INVEST>                  6,365                        6,513
<INTEREST-OTHER>                     141                          190
<INTEREST-TOTAL>                  38,137                       36,085
<INTEREST-DEPOSIT>                15,664                       13,586
<INTEREST-EXPENSE>                19,543                       16,780
<INTEREST-INCOME-NET>             18,594                       19,305
<LOAN-LOSSES>                      1,411                          720
<SECURITIES-GAINS>                   (20)                          93
<EXPENSE-OTHER>                   16,646                       15,409
<INCOME-PRETAX>                    6,609                        8,847
<INCOME-PRE-EXTRAORDINARY>         6,609                        8,847
<EXTRAORDINARY>                        0                            0
<CHANGES>                              0                            0
<NET-INCOME>                       4,612                        5,799
<EPS-BASIC>                         1.24                         1.58
<EPS-DILUTED>                       1.24                         1.58
<YIELD-ACTUAL>                      4.14                         4.55
<LOANS-NON>                        1,389                          500
<LOANS-PAST>                       1,621                          335
<LOANS-TROUBLED>                       0                            0
<LOANS-PROBLEM>                    8,727                        7,114
<ALLOWANCE-OPEN>                   3,718                        3,872
<CHARGE-OFFS>                      1,701                        1,214
<RECOVERIES>                         335                          339
<ALLOWANCE-CLOSE>                  3,763                        3,718
<ALLOWANCE-DOMESTIC>               3,763                        3,718
<ALLOWANCE-FOREIGN>                    0                            0
<ALLOWANCE-UNALLOCATED>                0                            0



</TABLE>