<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheet and the Consolidated Statement of Income filed as
part of the annual report on Form 10-K and is qualified in its entirety by
reference to such annual report on Form 10-K.
</LEGEND>
<MULTIPLIER>  1,000

<S>                                                                <C>
<PERIOD-TYPE>                                                            12-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1999
<PERIOD-END>                                                        DEC-31-1999
<CASH>                                                                   19,217
<INT-BEARING-DEPOSITS>                                                      766
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                          1,235
<INVESTMENTS-HELD-FOR-SALE>                                              29,599
<INVESTMENTS-CARRYING>                                                   12,449
<INVESTMENTS-MARKET>                                                     12,016
<LOANS>                                                                 446,439
<ALLOWANCE>                                                               3,652
<TOTAL-ASSETS>                                                          544,523
<DEPOSITS>                                                              364,604
<SHORT-TERM>                                                                840
<LIABILITIES-OTHER>                                                       8,308
<LONG-TERM>                                                              74,057
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                      5
<OTHER-SE>                                                               96,654
<TOTAL-LIABILITIES-AND-EQUITY>                                          544,523
<INTEREST-LOAN>                                                          32,739
<INTEREST-INVEST>                                                         1,845
<INTEREST-OTHER>                                                            227
<INTEREST-TOTAL>                                                         34,811
<INTEREST-DEPOSIT>                                                       15,854
<INTEREST-EXPENSE>                                                       19,242
<INTEREST-INCOME-NET>                                                    15,569
<LOAN-LOSSES>                                                               760
<SECURITIES-GAINS>                                                           32
<EXPENSE-OTHER>                                                          16,677
<INCOME-PRETAX>                                                             984
<INCOME-PRE-EXTRAORDINARY>                                                  846
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                846
<EPS-BASIC>                                                                 0
<EPS-DILUTED>                                                                 0
<YIELD-ACTUAL>                                                             3.41
<LOANS-NON>                                                                 753
<LOANS-PAST>                                                                 28
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                           1,300
<ALLOWANCE-OPEN>                                                          3,424
<CHARGE-OFFS>                                                               651
<RECOVERIES>                                                                119
<ALLOWANCE-CLOSE>                                                         3,652
<ALLOWANCE-DOMESTIC>                                                      3,652
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                     335



</TABLE>