<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 DOCUMENTS.
</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>                                          11,655
<INT-BEARING-DEPOSITS>                             149
<FED-FUNDS-SOLD>                                12,683
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     30,702
<INVESTMENTS-CARRYING>                          72,004
<INVESTMENTS-MARKET>                            71,697
<LOANS>                                        188,410
<ALLOWANCE>                                      3,253
<TOTAL-ASSETS>                                 323,680
<DEPOSITS>                                     269,871
<SHORT-TERM>                                    11,373
<LIABILITIES-OTHER>                              1,034
<LONG-TERM>                                      9,174
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,630
<OTHER-SE>                                      15,598
<TOTAL-LIABILITIES-AND-EQUITY>                 323,680
<INTEREST-LOAN>                                  8,704
<INTEREST-INVEST>                                2,539
<INTEREST-OTHER>                                   404
<INTEREST-TOTAL>                                11,647
<INTEREST-DEPOSIT>                               5,485
<INTEREST-EXPENSE>                               5,835
<INTEREST-INCOME-NET>                            5,813
<LOAN-LOSSES>                                      798
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,541
<INCOME-PRETAX>                                  2,601
<INCOME-PRE-EXTRAORDINARY>                       2,601
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,029
<EPS-BASIC>                                      .77
<EPS-DILUTED>                                      .77
<YIELD-ACTUAL>                                    3.88
<LOANS-NON>                                      1,353
<LOANS-PAST>                                       787
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,888
<CHARGE-OFFS>                                      444
<RECOVERIES>                                        11
<ALLOWANCE-CLOSE>                                3,253
<ALLOWANCE-DOMESTIC>                             2,773
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            480


</TABLE>