<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS
FOUND ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE,
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-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           7,885
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    121,390
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        254,724
<ALLOWANCE>                                      4,069
<TOTAL-ASSETS>                                 397,368
<DEPOSITS>                                     354,081
<SHORT-TERM>                                     3,355
<LIABILITIES-OTHER>                              3,371
<LONG-TERM>                                         40
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           688
<OTHER-SE>                                      35,833
<TOTAL-LIABILITIES-AND-EQUITY>                 397,368
<INTEREST-LOAN>                                 10,272
<INTEREST-INVEST>                                3,195
<INTEREST-OTHER>                                    98
<INTEREST-TOTAL>                                13,565
<INTEREST-DEPOSIT>                               6,800
<INTEREST-EXPENSE>                               6,818
<INTEREST-INCOME-NET>                            6,747
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,594
<INCOME-PRETAX>                                  2,879
<INCOME-PRE-EXTRAORDINARY>                       2,879
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,250
<EPS-BASIC>                                       1.03
<EPS-DILUTED>                                     1.03
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                      2,514
<LOANS-PAST>                                     2,728
<LOANS-TROUBLED>                                   157
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,050
<CHARGE-OFFS>                                      109
<RECOVERIES>                                        68
<ALLOWANCE-CLOSE>                                4,069
<ALLOWANCE-DOMESTIC>                             4,069
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>