<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1999,  (unaudited) and the  Consolidated
Statement  of Income for the six months ended June 30, 1999  (unaudited)  and is
qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                                                   1,000

<S>                                                          <C>
<PERIOD-TYPE>                                                      6-MOS
<FISCAL-YEAR-END>                                            DEC-31-1999
<PERIOD-END>                                                 JUN-30-1999
<CASH>                                                                     5,474
<INT-BEARING-DEPOSITS>                                                     1,206
<FED-FUNDS-SOLD>                                                          13,670
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               28,719
<INVESTMENTS-CARRYING>                                                    13,968
<INVESTMENTS-MARKET>                                                      13,627
<LOANS>                                                                  139,525
<ALLOWANCE>                                                                1,695
<TOTAL-ASSETS>                                                           208,176
<DEPOSITS>                                                               172,378
<SHORT-TERM>                                                               3,882
<LIABILITIES-OTHER>                                                          966
<LONG-TERM>                                                               11,490
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                  14,189
<OTHER-SE>                                                                 5,271
<TOTAL-LIABILITIES-AND-EQUITY>                                           208,176
<INTEREST-LOAN>                                                            5,632
<INTEREST-INVEST>                                                          1,137
<INTEREST-OTHER>                                                             376
<INTEREST-TOTAL>                                                           7,145
<INTEREST-DEPOSIT>                                                         2,831
<INTEREST-EXPENSE>                                                         3,189
<INTEREST-INCOME-NET>                                                      3,956
<LOAN-LOSSES>                                                                273
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            2,897
<INCOME-PRETAX>                                                            1,436
<INCOME-PRE-EXTRAORDINARY>                                                 1,436
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 972
<EPS-BASIC>                                                               0.32
<EPS-DILUTED>                                                               0.32
<YIELD-ACTUAL>                                                              4.37
<LOANS-NON>                                                                   15
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                               15
<ALLOWANCE-OPEN>                                                           1,459
<CHARGE-OFFS>                                                                 50
<RECOVERIES>                                                                  13
<ALLOWANCE-CLOSE>                                                          1,695
<ALLOWANCE-DOMESTIC>                                                       1,695
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0


</TABLE>