<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               JUN-30-1999             JUN-30-1998
<CASH>                                          14,496                  13,892
<INT-BEARING-DEPOSITS>                               0                       3
<FED-FUNDS-SOLD>                                 2,500                  13,270
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     46,604                  27,082
<INVESTMENTS-CARRYING>                           6,259                   7,146
<INVESTMENTS-MARKET>                             6,336                   7,249
<LOANS>                                        417,416                 295,182
<ALLOWANCE>                                      3,621                   2,187
<TOTAL-ASSETS>                                 499,383                 367,207
<DEPOSITS>                                     428,512                 319,480
<SHORT-TERM>                                     9,563                   5,080
<LIABILITIES-OTHER>                              3,154                   3,818
<LONG-TERM>                                     12,193                  17,440
<PREFERRED-MANDATORY>                           23,000                       0
<PREFERRED>                                          0                       0
<COMMON>                                           144                     140
<OTHER-SE>                                      22,817                  20,566
<TOTAL-LIABILITIES-AND-EQUITY>                 499,383                 367,207
<INTEREST-LOAN>                                 17,642                  10,196
<INTEREST-INVEST>                                1,096                     667
<INTEREST-OTHER>                                   414                     326
<INTEREST-TOTAL>                                19,152                  11,189
<INTEREST-DEPOSIT>                               8,495                   4,779
<INTEREST-EXPENSE>                               9,773                   5,126
<INTEREST-INCOME-NET>                            9,379                   6,063
<LOAN-LOSSES>                                    1,429                     120
<SECURITIES-GAINS>                                   0                     (4)
<EXPENSE-OTHER>                                  6,939                   4,160
<INCOME-PRETAX>                                  2,910                   2,987
<INCOME-PRE-EXTRAORDINARY>                       1,953                   1,904
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,953                   1,904
<EPS-BASIC>                                      13.66                   13.60
<EPS-DILUTED>                                    13.66                   13.60
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                        352                     489
<LOANS-PAST>                                       334                     692
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,187                   1,321
<CHARGE-OFFS>                                       31                      26
<RECOVERIES>                                        36                      36
<ALLOWANCE-CLOSE>                                3,621                   1,451
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          3,621                   1,451


</TABLE>