<TABLE> <S> <C>

<ARTICLE>                                                      9
<MULTIPLIER>                                               1,000
<CURRENCY>                                                  USD

<S>                                      <C>                <C>
<PERIOD-TYPE>                             6-MOS              6-MOS
<FISCAL-YEAR-END>                   DEC-31-1999        DEC-31-1998
<PERIOD-START>                      JAN-01-1999        JAN-01-1998
<PERIOD-END>                        JUN-30-1999        JUN-30-1998
<EXCHANGE-RATE>                               1                  1
<CASH>                                    5,614              7,907
<INT-BEARING-DEPOSITS>                        0                  0
<FED-FUNDS-SOLD>                              0              3,900
<TRADING-ASSETS>                              0                  0
<INVESTMENTS-HELD-FOR-SALE>             106,811             46,409
<INVESTMENTS-CARRYING>                    7,643             12,779
<INVESTMENTS-MARKET>                      7,593             12,783
<LOANS>                                 162,279            158,968
<ALLOWANCE>                               2,567              2,325
<TOTAL-ASSETS>                          290,107            237,642
<DEPOSITS>                              197,231            201,951
<SHORT-TERM>                              5,000                  0
<LIABILITIES-OTHER>                       4,504              3,645
<LONG-TERM>                               8,000                  0
<PREFERRED-MANDATORY>                         0                  0
<PREFERRED>                                   0                  0
<COMMON>                                     54                  0
<OTHER-SE>                               75,318             32,046
<TOTAL-LIABILITIES-AND-EQUITY>          290,107            237,642
<INTEREST-LOAN>                           6,530              6,709
<INTEREST-INVEST>                         3,013              1,748
<INTEREST-OTHER>                            134                191
<INTEREST-TOTAL>                          9,677              8,648
<INTEREST-DEPOSIT>                        3,532              4,013
<INTEREST-EXPENSE>                        3,614              4,013
<INTEREST-INCOME-NET>                     6,063              4,635
<LOAN-LOSSES>                               100                150
<SECURITIES-GAINS>                           19                 36
<EXPENSE-OTHER>                           3,692              3,338
<INCOME-PRETAX>                           2,778              1,670
<INCOME-PRE-EXTRAORDINARY>                2,778              1,670
<EXTRAORDINARY>                               0                  0
<CHANGES>                                     0                  0
<NET-INCOME>                              1,642              1,054
<EPS-BASIC>                              0.35                  0
<EPS-DILUTED>                              0.35                  0
<YIELD-ACTUAL>                             4.58               4.27
<LOANS-NON>                               1,138              1,237
<LOANS-PAST>                                  6                  7
<LOANS-TROUBLED>                              0                  0
<LOANS-PROBLEM>                               0                  0
<ALLOWANCE-OPEN>                          2,494              2,143
<CHARGE-OFFS>                                83                103
<RECOVERIES>                                 56                135
<ALLOWANCE-CLOSE>                         2,567              2,325
<ALLOWANCE-DOMESTIC>                      2,567              2,325
<ALLOWANCE-FOREIGN>                           0                  0
<ALLOWANCE-UNALLOCATED>                       0                  0


</TABLE>