<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
EXHIBIT 27. FINANCIAL DATA SCHEDULE

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM THE QUARTERLY
REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL INFORMATION.

</LEGEND>

<S>                                       <C>
<PERIOD-TYPE>                               6-MOS
<FISCAL-YEAR-END>                                   DEC-31-1998
<PERIOD-END>                                        JUN-30-1999
<CASH>                                              2,288,435
<INT-BEARING-DEPOSITS>                              26,168
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                         13,969,810
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                             84,236,416
<ALLOWANCE>                                         853,504
<TOTAL-ASSETS>                                      106,928,218
<DEPOSITS>                                          92,279,016
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                                 1,627,728
<LONG-TERM>                                         5,000,000
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                            3,483,870
<OTHER-SE>                                          3,878,714
<TOTAL-LIABILITIES-AND-EQUITY>                      106,928,218
<INTEREST-LOAN>                                     3,537,018
<INTEREST-INVEST>                                   350,107
<INTEREST-OTHER>                                    25,522
<INTEREST-TOTAL>                                    3,912,647
<INTEREST-DEPOSIT>                                  1,741,911
<INTEREST-EXPENSE>                                  1,959,185
<INTEREST-INCOME-NET>                               1,953,462
<LOAN-LOSSES>                                       180,000
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                     1,800,179
<INCOME-PRETAX>                                     306,585
<INCOME-PRE-EXTRAORDINARY>                          306,585
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                        223,496
<EPS-BASIC>                                       0.32
<EPS-DILUTED>                                       0.32
<YIELD-ACTUAL>                                      4.11
<LOANS-NON>                                         0
<LOANS-PAST>                                        90,000
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     3,424,000
<ALLOWANCE-OPEN>                                    719,788
<CHARGE-OFFS>                                       46,285
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                   853,504
<ALLOWANCE-DOMESTIC>                                684,188
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             169,316


</TABLE>