<TABLE> <S> <C>


<ARTICLE>                                            9

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

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1999
<CASH>                                            7,141
<INT-BEARING-DEPOSITS>                              421
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      31,578
<INVESTMENTS-CARRYING>                            3,324
<INVESTMENTS-MARKET>                              3,329
<LOANS>                                         132,622
<ALLOWANCE>                                       1,361
<TOTAL-ASSETS>                                  192,725
<DEPOSITS>                                      168,883
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                                 772
<LONG-TERM>                                       2,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          1,745
<OTHER-SE>                                       19,325
<TOTAL-LIABILITIES-AND-EQUITY>                  192,725
<INTEREST-LOAN>                                   5,420
<INTEREST-INVEST>                                   950
<INTEREST-OTHER>                                    342
<INTEREST-TOTAL>                                  6,712
<INTEREST-DEPOSIT>                                2,817
<INTEREST-EXPENSE>                                2,873
<INTEREST-INCOME-NET>                             3,839
<LOAN-LOSSES>                                        80
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   2,948
<INCOME-PRETAX>                                   1,204
<INCOME-PRE-EXTRAORDINARY>                          823
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        823
<EPS-BASIC>                                      0.59
<EPS-DILUTED>                                      0.59
<YIELD-ACTUAL>                                     4.22
<LOANS-NON>                                         874
<LOANS-PAST>                                        114
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  1,336
<CHARGE-OFFS>                                        70
<RECOVERIES>                                         15
<ALLOWANCE-CLOSE>                                 1,361
<ALLOWANCE-DOMESTIC>                                562
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             799



</TABLE>