<TABLE> <S> <C>

<ARTICLE>                                                          9
<MULTIPLIER>                                                   1,000

<S>                                     <C>
<PERIOD-TYPE>                                                      6-MOS
<FISCAL-YEAR-END>                                             DEC-31-1999
<PERIOD-END>                                                  JUN-30-1999
<CASH>                                                        20,450
<INT-BEARING-DEPOSITS>                                         5,274
<FED-FUNDS-SOLD>                                              10,050
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                  103,470
<INVESTMENTS-CARRYING>                                        93,230
<INVESTMENTS-MARKET>                                          93,508
<LOANS>                                                      379,668
<ALLOWANCE>                                                    5,745
<TOTAL-ASSETS>                                               638,761
<DEPOSITS>                                                   549,760
<SHORT-TERM>                                                   6,931
<LIABILITIES-OTHER>                                            6,889
<LONG-TERM>                                                   23,000
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                    2,494
<COMMON>                                                         596
<OTHER-SE>                                                    52,091
<TOTAL-LIABILITIES-AND-EQUITY>                               638,761
<INTEREST-LOAN>                                               15,064
<INTEREST-INVEST>                                              5,440
<INTEREST-OTHER>                                                   0
<INTEREST-TOTAL>                                              20,504
<INTEREST-DEPOSIT>                                             8,701
<INTEREST-EXPENSE>                                             1,132
<INTEREST-INCOME-NET>                                         10,671
<LOAN-LOSSES>                                                    120
<SECURITIES-GAINS>                                                 1
<EXPENSE-OTHER>                                               10,740
<INCOME-PRETAX>                                                2,159
<INCOME-PRE-EXTRAORDINARY>                                     2,159
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   1,649
<EPS-BASIC>                                                    12.21
<EPS-DILUTED>                                                  12.21
<YIELD-ACTUAL>                                                  7.06
<LOANS-NON>                                                    1,680
<LOANS-PAST>                                                   1,637
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                  298
<ALLOWANCE-OPEN>                                               5,962
<CHARGE-OFFS>                                                    423
<RECOVERIES>                                                      86
<ALLOWANCE-CLOSE>                                              5,745
<ALLOWANCE-DOMESTIC>                                           5,745
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0


</TABLE>