<TABLE> <S> <C>


<ARTICLE>                     9

<MULTIPLIER>                  1,000

<S>                             <C>                    <C>
<PERIOD-TYPE>                   12-MOS                 12-MOS
<FISCAL-YEAR-END>               DEC-31-1999            DEC-31-1998
<PERIOD-END>                    DEC-31-1999            DEC-31-1998
<CASH>                          17,410                 12,700
<INT-BEARING-DEPOSITS>          0                      0
<FED-FUNDS-SOLD>                0                      12,700
<TRADING-ASSETS>                0                      0
<INVESTMENTS-HELD-FOR-SALE>     78,792                 84,019
<INVESTMENTS-CARRYING>          20,345                 25,711
<INVESTMENTS-MARKET>            0                      0
<LOANS>                         325,377                307,311
<ALLOWANCE>                     3,718                  3,872
<TOTAL-ASSETS>                  472,670                472,153
<DEPOSITS>                      366,819                360,699
<SHORT-TERM>                    46,090                 46,768
<LIABILITIES-OTHER>             3,700                  3,371
<LONG-TERM>                     12,381                 18,233
<PREFERRED-MANDATORY>           0                      0
<PREFERRED>                     0                      0
<COMMON>                        3,705                  3,690
<OTHER-SE>                      39,975                 39,392
<TOTAL-LIABILITIES-AND-EQUITY>  472,670                472,153
<INTEREST-LOAN>                 29,382                 28,502
<INTEREST-INVEST>               6,703                  6,750
<INTEREST-OTHER>                190                    694
<INTEREST-TOTAL>                36,085                 35,252
<INTEREST-DEPOSIT>              13,586                 14,791
<INTEREST-EXPENSE>              16,780                 17,288
<INTEREST-INCOME-NET>           19,305                 17,964
<LOAN-LOSSES>                   720                    1,226
<SECURITIES-GAINS>              93                     61
<EXPENSE-OTHER>                 15,409                 14,643
<INCOME-PRETAX>                 8,847                  6,684
<INCOME-PRE-EXTRAORDINARY>      8,847                  6,684
<EXTRAORDINARY>                 0                      0
<CHANGES>                       0                      0
<NET-INCOME>                    5,799                  4,474
<EPS-BASIC>                     1.58                   1.25
<EPS-DILUTED>                   1.58                   1.25
<YIELD-ACTUAL>                  4.55                   4.18
<LOANS-NON>                     500                    303
<LOANS-PAST>                    335                    424
<LOANS-TROUBLED>                0                      0
<LOANS-PROBLEM>                 7,114                  6,513
<ALLOWANCE-OPEN>                3,872                  2,789
<CHARGE-OFFS>                   1,214                  954
<RECOVERIES>                    339                    331
<ALLOWANCE-CLOSE>               3,718                  3,872
<ALLOWANCE-DOMESTIC>            3,718                  3,872
<ALLOWANCE-FOREIGN>             0                      0
<ALLOWANCE-UNALLOCATED>         0                      0



</TABLE>