<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED BALANCE SHEET AS OF JUNE 30, 1999 AND THE CONSOLIDATED STATEMENT OF
INCOME FOR THREE  MONTHS ENDED JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                            4,743
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                  4,100
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                     119,150
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         135,728
<ALLOWANCE>                                     (1,560)
<TOTAL-ASSETS>                                  271,780
<DEPOSITS>                                      193,662
<SHORT-TERM>                                      5,000
<LIABILITIES-OTHER>                                 542
<LONG-TERM>                                      30,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            358
<OTHER-SE>                                       42,218
<TOTAL-LIABILITIES-AND-EQUITY>                  271,780
<INTEREST-LOAN>                                   2,677
<INTEREST-INVEST>                                 1,739
<INTEREST-OTHER>                                     78
<INTEREST-TOTAL>                                  4,494
<INTEREST-DEPOSIT>                                1,800
<INTEREST-EXPENSE>                                2,201
<INTEREST-INCOME-NET>                             2,293
<LOAN-LOSSES>                                        45
<SECURITIES-GAINS>                                  280
<EXPENSE-OTHER>                                   1,853
<INCOME-PRETAX>                                     878
<INCOME-PRE-EXTRAORDINARY>                          608
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                          0
 <EPS-BASIC>                                     0.17
 <EPS-DILUTED>                                     0.17
<YIELD-ACTUAL>                                     3.61
<LOANS-NON>                                         626
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                   1,951
<ALLOWANCE-OPEN>                                  1,568
<CHARGE-OFFS>                                        69
<RECOVERIES>                                         16
<ALLOWANCE-CLOSE>                                 1,560
<ALLOWANCE-DOMESTIC>                              1,303
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             257


</TABLE>