
<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-KSB FOR FIRST NATIONAL CORPORATION FOR THE YEAR ENDED DECEMBER
31,  1999  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO THE  FINANCIAL
STATEMENTS CONTAINED IN SUCH REPORT.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                                12-MOS
<FISCAL-YEAR-END>                            DEC-31-1999
<PERIOD-END>                                 DEC-31-1999
<CASH>                                                          3,981
<INT-BEARING-DEPOSITS>                                            127
<FED-FUNDS-SOLD>                                                    0
<TRADING-ASSETS>                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                    45,129
<INVESTMENTS-CARRYING>                                              0
<INVESTMENTS-MARKET>                                                0
<LOANS>                                                       149,313
<ALLOWANCE>                                                     1,447
<TOTAL-ASSETS>                                                206,618
<DEPOSITS>                                                    153,422
<SHORT-TERM>                                                        0
<LIABILITIES-OTHER>                                               851
<LONG-TERM>                                                    33,622
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        3,970
<OTHER-SE>                                                     13,206
<TOTAL-LIABILITIES-AND-EQUITY>                                206,618
<INTEREST-LOAN>                                                12,018
<INTEREST-INVEST>                                               3,107
<INTEREST-OTHER>                                                   92
<INTEREST-TOTAL>                                               15,217
<INTEREST-DEPOSIT>                                              6,274
<INTEREST-EXPENSE>                                              7,683
<INTEREST-INCOME-NET>                                           7,534
<LOAN-LOSSES>                                                     495
<SECURITIES-GAINS>                                                  1
<EXPENSE-OTHER>                                                 5,271
<INCOME-PRETAX>                                                 2,888
<INCOME-PRE-EXTRAORDINARY>                                      2,888
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                    2,034
<EPS-BASIC>                                                      2.57
<EPS-DILUTED>                                                    2.57
<YIELD-ACTUAL>                                                   3.98
<LOANS-NON>                                                        34
<LOANS-PAST>                                                      126
<LOANS-TROUBLED>                                                    0
<LOANS-PROBLEM>                                                     0
<ALLOWANCE-OPEN>                                                1,226
<CHARGE-OFFS>                                                     339
<RECOVERIES>                                                       65
<ALLOWANCE-CLOSE>                                               1,447
<ALLOWANCE-DOMESTIC>                                            1,447
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                             0


</TABLE>
