<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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>                                          $8,566
<INT-BEARING-DEPOSITS>                           3,531
<FED-FUNDS-SOLD>                                 6,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     18,876
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        166,306
<ALLOWANCE>                                      2,334
<TOTAL-ASSETS>                                 205,628
<DEPOSITS>                                     172,853
<SHORT-TERM>                                       250
<LIABILITIES-OTHER>                              1,095
<LONG-TERM>                                     13,660
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,395
<OTHER-SE>                                       4,374
<TOTAL-LIABILITIES-AND-EQUITY>                 205,628
<INTEREST-LOAN>                                  6,667
<INTEREST-INVEST>                                  310
<INTEREST-OTHER>                                   206
<INTEREST-TOTAL>                                 7,183
<INTEREST-DEPOSIT>                               2,933
<INTEREST-EXPENSE>                               3,345
<INTEREST-INCOME-NET>                            3,838
<LOAN-LOSSES>                                      273
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  2,091
<INCOME-PRETAX>                                  1,641
<INCOME-PRE-EXTRAORDINARY>                       1,068
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,068
<EPS-BASIC>                                       0.90
<EPS-DILUTED>                                     0.82
<YIELD-ACTUAL>                                    4.25
<LOANS-NON>                                          0
<LOANS-PAST>                                        10
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     82
<ALLOWANCE-OPEN>                                 2,055
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                2,334
<ALLOWANCE-DOMESTIC>                             2,334
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            539


</TABLE>