
<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          20,658
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                16,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    224,782
<INVESTMENTS-CARRYING>                         312,671
<INVESTMENTS-MARKET>                           311,966
<LOANS>                                        223,505
<ALLOWANCE>                                      2,753
<TOTAL-ASSETS>                                 608,673
<DEPOSITS>                                     534,756
<SHORT-TERM>                                    15,700
<LIABILITIES-OTHER>                              2,951
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           12,000
<PREFERRED>                                          0
<COMMON>                                         5,199
<OTHER-SE>                                      38,067
<TOTAL-LIABILITIES-AND-EQUITY>                 608,673
<INTEREST-LOAN>                                 16,386
<INTEREST-INVEST>                               14,292
<INTEREST-OTHER>                                   734
<INTEREST-TOTAL>                                31,412
<INTEREST-DEPOSIT>                              12,971
<INTEREST-EXPENSE>                              13,033
<INTEREST-INCOME-NET>                           18,379
<LOAN-LOSSES>                                      280
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 12,138
<INCOME-PRETAX>                                  9,482
<INCOME-PRE-EXTRAORDINARY>                       9,482
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,474
<EPS-BASIC>                                       1.25
<EPS-DILUTED>                                     1.20
<YIELD-ACTUAL>                                    6.98
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,850
<CHARGE-OFFS>                                      111
<RECOVERIES>                                       168
<ALLOWANCE-CLOSE>                                2,753
<ALLOWANCE-DOMESTIC>                             2,753
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>
