<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           9,625
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     33,239
<INVESTMENTS-CARRYING>                          19,786
<INVESTMENTS-MARKET>                            20,338
<LOANS>                                        182,977
<ALLOWANCE>                                      2,112
<TOTAL-ASSETS>                                 261,330
<DEPOSITS>                                     219,803
<SHORT-TERM>                                     8,000
<LIABILITIES-OTHER>                              6,056
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,356
<OTHER-SE>                                      18,115
<TOTAL-LIABILITIES-AND-EQUITY>                 261,330
<INTEREST-LOAN>                                  7,726
<INTEREST-INVEST>                                1,813
<INTEREST-OTHER>                                    41
<INTEREST-TOTAL>                                 9,580
<INTEREST-DEPOSIT>                               3,794
<INTEREST-EXPENSE>                               4,052
<INTEREST-INCOME-NET>                            5,528
<LOAN-LOSSES>                                      336
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,521
<INCOME-PRETAX>                                  2,253
<INCOME-PRE-EXTRAORDINARY>                       2,253
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,750
<EPS-BASIC>                                        .94
<EPS-DILUTED>                                      .94
<YIELD-ACTUAL>                                    4.73
<LOANS-NON>                                      1,368
<LOANS-PAST>                                     1,001
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,566
<ALLOWANCE-OPEN>                                 2,026
<CHARGE-OFFS>                                      454
<RECOVERIES>                                       186
<ALLOWANCE-CLOSE>                                2,094
<ALLOWANCE-DOMESTIC>                             1,551
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            543


</TABLE>