<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT  ON FORM  10-Q SB FOR THE  FISCAL  QUARTER  ENDED  JUNE  30,  1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>  1000

<S>                                                        <C>                     <C>
<PERIOD-TYPE>                                            6-MOS                     6-MOS
<FISCAL-YEAR-END>                                  DEC-31-1999               DEC-31-1998
<PERIOD-END>                                       JUN-30-1999               JUN-30-1998
<CASH>                                                   1,693                       980
<INT-BEARING-DEPOSITS>                                       0                         0
<FED-FUNDS-SOLD>                                         1,600                     5,600
<TRADING-ASSETS>                                             0                         0
<INVESTMENTS-HELD-FOR-SALE>                             20,504                     8,062
<INVESTMENTS-CARRYING>                                   8,947                    16,910
<INVESTMENTS-MARKET>                                     8,978                    16,992
<LOANS>                                                141,955                   141,222
<ALLOWANCE>                                                990                       855
<TOTAL-ASSETS>                                         179,131                   178,093
<DEPOSITS>                                             151,635                   152,879
<SHORT-TERM>                                                 0                         0
<LIABILITIES-OTHER>                                      3,762                     3,299
<LONG-TERM>                                                  0                         0
<COMMON>                                                    15                        15
<PREFERRED-MANDATORY>                                        0                         0
<PREFERRED>                                                  0                         0
<OTHER-SE>                                              23,719                    21,900
<TOTAL-LIABILITIES-AND-EQUITY>                         179,131                   178,093
<INTEREST-LOAN>                                          5,210                     5,325
<INTEREST-INVEST>                                          850                       961
<INTEREST-OTHER>                                            89                       105
<INTEREST-TOTAL>                                         6,149                     6,391
<INTEREST-DEPOSIT>                                       3,039                     3,459
<INTEREST-EXPENSE>                                       3,058                     3,460
<INTEREST-INCOME-NET>                                    3,091                     2,931
<LOAN-LOSSES>                                               30                        60
<SECURITIES-GAINS>                                           0                         0
<EXPENSE-OTHER>                                          2,339                     2,131
<INCOME-PRETAX>                                            910                       966
<INCOME-PRE-EXTRAORDINARY>                                 910                       966
<EXTRAORDINARY>                                              0                         0
<CHANGES>                                                    0                         0
<NET-INCOME>                                               489                       567
<EPS-BASIC>                                                .44                       .52
<EPS-DILUTED>                                              .42                       .49
<YIELD-ACTUAL>                                            3.61                      3.46
<LOANS-NON>                                              1,040                     1,161
<LOANS-PAST>                                                 0                       191
<LOANS-TROUBLED>                                             0                         0
<LOANS-PROBLEM>                                              0                         0
<ALLOWANCE-OPEN>                                           953                       778
<CHARGE-OFFS>                                                0                        21
<RECOVERIES>                                                 7                        38
<ALLOWANCE-CLOSE>                                          990                       855
<ALLOWANCE-DOMESTIC>                                       432                       489
<ALLOWANCE-FOREIGN>                                          0                         0
<ALLOWANCE-UNALLOCATED>                                    558                       366


</TABLE>