<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>                                                  25,826
<INT-BEARING-DEPOSITS>                                     457
<FED-FUNDS-SOLD>                                        12,160
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             47,342
<INVESTMENTS-CARRYING>                                  30,875
<INVESTMENTS-MARKET>                                    31,233
<LOANS>                                                350,860
<ALLOWANCE>                                              5,320
<TOTAL-ASSETS>                                         490,663
<DEPOSITS>                                             435,352
<SHORT-TERM>                                             6,131
<LIABILITIES-OTHER>                                      6,930
<LONG-TERM>                                                  0
<COMMON>                                                 2,173
<PREFERRED-MANDATORY>                                   14,254
<PREFERRED>                                                  0
<OTHER-SE>                                              25,823
<TOTAL-LIABILITIES-AND-EQUITY>                         490,663
<INTEREST-LOAN>                                         16,778
<INTEREST-INVEST>                                        2,571
<INTEREST-OTHER>                                            11
<INTEREST-TOTAL>                                        19,360
<INTEREST-DEPOSIT>                                       8,312
<INTEREST-EXPENSE>                                       8,473
<INTEREST-INCOME-NET>                                   10,887
<LOAN-LOSSES>                                              657
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                         11,685
<INCOME-PRETAX>                                          3,772
<INCOME-PRE-EXTRAORDINARY>                               3,772
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             2,728
<EPS-BASIC>                                             1.26
<EPS-DILUTED>                                             1.24
<YIELD-ACTUAL>                                            2.46
<LOANS-NON>                                              1,284
<LOANS-PAST>                                             2,178
<LOANS-TROUBLED>                                           752
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         4,863
<CHARGE-OFFS>                                              378
<RECOVERIES>                                               178
<ALLOWANCE-CLOSE>                                        5,320
<ALLOWANCE-DOMESTIC>                                         0
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                  5,320


</TABLE>