<TABLE> <S> <C>


<ARTICLE>                                                                9
<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>                                                               1,422
<INT-BEARING-DEPOSITS>                                               3,540
<FED-FUNDS-SOLD>                                                         0
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                         14,020
<INVESTMENTS-CARRYING>                                                   0
<INVESTMENTS-MARKET>                                                     0
<LOANS>                                                             82,291
<ALLOWANCE>                                                            365
<TOTAL-ASSETS>                                                     107,713
<DEPOSITS>                                                          74,878
<SHORT-TERM>                                                             0
<LIABILITIES-OTHER>                                                  2,218
<LONG-TERM>                                                         14,000
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                             6,675
<OTHER-SE>                                                           9,942
<TOTAL-LIABILITIES-AND-EQUITY>                                     107,713
<INTEREST-LOAN>                                                      3,049
<INTEREST-INVEST>                                                      383
<INTEREST-OTHER>                                                       119
<INTEREST-TOTAL>                                                     3,551
<INTEREST-DEPOSIT>                                                   1,572
<INTEREST-EXPENSE>                                                   1,825
<INTEREST-INCOME-NET>                                                1,726
<LOAN-LOSSES>                                                           81
<SECURITIES-GAINS>                                                       0
<EXPENSE-OTHER>                                                        846
<INCOME-PRETAX>                                                        877
<INCOME-PRE-EXTRAORDINARY>                                             553
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                           553
<EPS-BASIC>                                                          .46
<EPS-DILUTED>                                                          .45
<YIELD-ACTUAL>                                                        3.62
<LOANS-NON>                                                              0
<LOANS-PAST>                                                           320
<LOANS-TROUBLED>                                                         0
<LOANS-PROBLEM>                                                          0
<ALLOWANCE-OPEN>                                                       285
<CHARGE-OFFS>                                                            0
<RECOVERIES>                                                             0
<ALLOWANCE-CLOSE>                                                      366
<ALLOWANCE-DOMESTIC>                                                     0
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                                366



</TABLE>