<ARTICLE> 9
<MULTIPLIER> 1000

                                                                                            
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999             DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JAN-01-1999             JAN-01-1999             JAN-01-1999             JAN-01-1999
<PERIOD-END>                               MAR-31-1999             JUN-30-1999             SEP-30-1999             DEC-31-1999
<CASH>                                          18,037                  17,235                  18,707                  21,148
<INT-BEARING-DEPOSITS>                           5,635                   6,424                   7,714                   7,502
<FED-FUNDS-SOLD>                                30,702                  33,334                  12,332                  10,889
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     36,177                  32,682                  33,372                  34,460
<INVESTMENTS-CARRYING>                           5,994                  13,045                  14,070                  14,868
<INVESTMENTS-MARKET>                             5,994                  13,045                  14,070                  14,775
<LOANS>                                        183,575                 188,278                 200,064                 206,650
<ALLOWANCE>                                      3,926                   3,658                   3,768                   4,025
<TOTAL-ASSETS>                                 288,632                 299,035                 293,707                 304,362
<DEPOSITS>                                     262,671                 271,492                 264,624                 274,232
<SHORT-TERM>                                       431                   1,605                   2,400                   1,657
<LIABILITIES-OTHER>                              2,014                   1,819                   1,619                   2,618
<LONG-TERM>                                          0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                        18,923                  19,055                  19,232                  19,394
<OTHER-SE>                                       4,593                   5,064                   5,832                   6,461
<TOTAL-LIABILITIES-AND-EQUITY>                 288,632                 299,035                 293,707                 304,362
<INTEREST-LOAN>                                  4,281                   9,140                  14,369                  19,056
<INTEREST-INVEST>                                  571                   1,201                   1,912                   2,614
<INTEREST-OTHER>                                   530                     987                   1,303                   1,735
<INTEREST-TOTAL>                                 5,382                  11,328                  17,584                  23,405
<INTEREST-DEPOSIT>                               1,427                   2,779                   4,174                   5,648
<INTEREST-EXPENSE>                               1,433                   2,798                   4,204                   5,688
<INTEREST-INCOME-NET>                            3,949                   8,530                  13,380                  17,717
<LOAN-LOSSES>                                      135                     240                     413                     518
<SECURITIES-GAINS>                                   0                     (2)                     (2)                     (2)
<EXPENSE-OTHER>                                  2,995                   6,409                   9,837                  12,786
<INCOME-PRETAX>                                  1,520                   3,377                   5,311                   7,430
<INCOME-PRE-EXTRAORDINARY>                         885                   1,938                   3,057                   4,263
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                       885                   1,938                   3,057                   4,263
<EPS-BASIC>                                       0.23                    0.50                    0.79                    1.10
<EPS-DILUTED>                                     0.22                    0.48                    0.75                    1.05
<YIELD-ACTUAL>                                   6.157                   6.557                   6.767                   6.639
<LOANS-NON>                                      1,608                     858                     821                   1,845
<LOANS-PAST>                                     1,441                     139                     209                      75
<LOANS-TROUBLED>                                     0                       0                       0                       0
<LOANS-PROBLEM>                                  1,489                     802                   2,136                   1,833
<ALLOWANCE-OPEN>                                 3,785                   3,785                   3,785                   3,785
<CHARGE-OFFS>                                       46                     452                     540                     592
<RECOVERIES>                                        52                      85                     110                     314
<ALLOWANCE-CLOSE>                                3,926                   3,658                   3,768                   4,025
<ALLOWANCE-DOMESTIC>                             3,926                   3,658                   3,768                   4,025
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                       0