<TABLE> <S> <C>

<ARTICLE>                                           9
<LEGEND>
The Consolidated balance sheets and consolidated statements of operations of the
company's form 10-Q for the year to date
</LEGEND>
<MULTIPLIER>                                                 1,000

<S>                                                 <C>
<PERIOD-TYPE>                                       6-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-END>                                        JUN-30-1999
<CASH>                                                       9,530
<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                             7,916
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 81,765
<INVESTMENTS-CARRYING>                                           0
<INVESTMENTS-MARKET>                                             0
<LOANS>                                                    167,159
<ALLOWANCE>                                                  2,459
<TOTAL-ASSETS>                                             295,331
<DEPOSITS>                                                 247,455
<SHORT-TERM>                                                13,226
<LIABILITIES-OTHER>                                          2,948
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                    22,291
<OTHER-SE>                                                   6,043
<TOTAL-LIABILITIES-AND-EQUITY>                             295,331
<INTEREST-LOAN>                                              7,077
<INTEREST-INVEST>                                            2,195
<INTEREST-OTHER>                                               485
<INTEREST-TOTAL>                                             9,757
<INTEREST-DEPOSIT>                                           3,518
<INTEREST-EXPENSE>                                           3,747
<INTEREST-INCOME-NET>                                        6,010
<LOAN-LOSSES>                                                  221
<SECURITIES-GAINS>                                             184
<EXPENSE-OTHER>                                              6,826
<INCOME-PRETAX>                                               1669
<INCOME-PRE-EXTRAORDINARY>                                    1170
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  1170
<EPS-BASIC>                                                 0.26
<EPS-DILUTED>                                                 0.26
<YIELD-ACTUAL>                                                 4.7
<LOANS-NON>                                                    851
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             2,294
<CHARGE-OFFS>                                                   89
<RECOVERIES>                                                    32
<ALLOWANCE-CLOSE>                                            2,459
<ALLOWANCE-DOMESTIC>                                             0
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>