<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>

THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.

</LEGEND>

<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                           7,466
<INT-BEARING-DEPOSITS>                             452
<FED-FUNDS-SOLD>                                10,130
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     33,356
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        133,263
<ALLOWANCE>                                      1,149
<TOTAL-ASSETS>                                 191,937
<DEPOSITS>                                     176,471
<SHORT-TERM>                                     2,188
<LIABILITIES-OTHER>                              1,467
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            99
<OTHER-SE>                                      11,712
<TOTAL-LIABILITIES-AND-EQUITY>                 191,937
<INTEREST-LOAN>                                  5,980
<INTEREST-INVEST>                                  797
<INTEREST-OTHER>                                   253
<INTEREST-TOTAL>                                 7,031
<INTEREST-DEPOSIT>                               3,601
<INTEREST-EXPENSE>                               3,633
<INTEREST-INCOME-NET>                            3,398
<LOAN-LOSSES>                                      221
<SECURITIES-GAINS>                                  68
<EXPENSE-OTHER>                                  2,934
<INCOME-PRETAX>                                    713
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       462
<EPS-BASIC>                                      .54
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    3.80
<LOANS-NON>                                        109
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    636
<ALLOWANCE-OPEN>                                   943
<CHARGE-OFFS>                                       15
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,149
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>