<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          16,962
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                32,950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     92,261
<INVESTMENTS-CARRYING>                          59,216
<INVESTMENTS-MARKET>                            59,323
<LOANS>                                        251,735
<ALLOWANCE>                                      3,377
<TOTAL-ASSETS>                                 465,850
<DEPOSITS>                                     386,912
<SHORT-TERM>                                    33,143
<LIABILITIES-OTHER>                              2,601
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      37,207
<TOTAL-LIABILITIES-AND-EQUITY>                 465,850
<INTEREST-LOAN>                                 10,459
<INTEREST-INVEST>                                4,204
<INTEREST-OTHER>                                   625
<INTEREST-TOTAL>                                15,288
<INTEREST-DEPOSIT>                               5,661
<INTEREST-EXPENSE>                               6,363
<INTEREST-INCOME-NET>                            8,925
<LOAN-LOSSES>                                      330
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,086
<INCOME-PRETAX>                                  4,431
<INCOME-PRE-EXTRAORDINARY>                       2,966
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,966
<EPS-BASIC>                                       4.97<F1>
<EPS-DILUTED>                                     4.97<F1>
<YIELD-ACTUAL>                                    4.42<F1>
<LOANS-NON>                                        421
<LOANS-PAST>                                        65
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    421
<ALLOWANCE-OPEN>                                 3,132
<CHARGE-OFFS>                                      304
<RECOVERIES>                                       219
<ALLOWANCE-CLOSE>                                3,377
<ALLOWANCE-DOMESTIC>                             3,377
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER DOES NOT APPLY TO EPS AND YIELD DATA.
</FN>


</TABLE>