<TABLE> <S> <C>

<ARTICLE>                  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT  FILED ON FORM 10-Q FOR THE FISCAL  QUARTER  ENDED  MARCH 31, 1999 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>                                             488
 <INT-BEARING-DEPOSITS>                             313
 <FED-FUNDS-SOLD>                                   0
 <TRADING-ASSETS>                                   0
 <INVESTMENTS-HELD-FOR-SALE>                        45,008
 <INVESTMENTS-CARRYING>                             0
 <INVESTMENTS-MARKET>                               0
 <LOANS>                                            62,110
 <ALLOWANCE>                                        226
 <TOTAL-ASSETS>                                     111,861
 <DEPOSITS>                                         57,526
 <SHORT-TERM>                                       9,700
 <LIABILITIES-OTHER>                                2,705
 <LONG-TERM>                                        21,927
 <PREFERRED-MANDATORY>                              0
 <PREFERRED>                                        0
 <COMMON>                                           22
 <OTHER-SE>                                         19,981
 <TOTAL-LIABILITIES-AND-EQUITY>                     111,861
 <INTEREST-LOAN>                                    2,377
 <INTEREST-INVEST>                                  1,281
 <INTEREST-OTHER>                                   99
 <INTEREST-TOTAL>                                   3,757
 <INTEREST-DEPOSIT>                                 1,162
 <INTEREST-EXPENSE>                                 1,890
 <INTEREST-INCOME-NET>                              1,867
 <LOAN-LOSSES>                                      0
 <SECURITIES-GAINS>                                 18
 <EXPENSE-OTHER>                                    819
 <INCOME-PRETAX>                                    1,108
 <INCOME-PRE-EXTRAORDINARY>                         1,108
 <EXTRAORDINARY>                                    0
 <CHANGES>                                          0
 <NET-INCOME>                                       802
 <EPS-BASIC>                                      0.48
 <EPS-DILUTED>                                      0.48
 <YIELD-ACTUAL>                                     3.52
 <LOANS-NON>                                        258
 <LOANS-PAST>                                       3,063
 <LOANS-TROUBLED>                                   0
 <LOANS-PROBLEM>                                    0
 <ALLOWANCE-OPEN>                                   258
 <CHARGE-OFFS>                                      7
 <RECOVERIES>                                       0
 <ALLOWANCE-CLOSE>                                  251
 <ALLOWANCE-DOMESTIC>                               0
 <ALLOWANCE-FOREIGN>                                0
 <ALLOWANCE-UNALLOCATED>                            0




</TABLE>