<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>                                                                                          3,165
<INT-BEARING-DEPOSITS>                                                                              1
<FED-FUNDS-SOLD>                                                                                9,200
<TRADING-ASSETS>                                                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                                                     5,754
<INVESTMENTS-CARRYING>                                                                          1,163
<INVESTMENTS-MARKET>                                                                            1,099
<LOANS>                                                                                        62,360
<ALLOWANCE>                                                                                       380
<TOTAL-ASSETS>                                                                                 81,192
<DEPOSITS>                                                                                     68,247
<SHORT-TERM>                                                                                    5,850
<LIABILITIES-OTHER>                                                                               230
<LONG-TERM>                                                                                       192
<PREFERRED-MANDATORY>                                                                               0
<PREFERRED>                                                                                         0
<COMMON>                                                                                        3,007
<OTHER-SE>                                                                                      3,666
<TOTAL-LIABILITIES-AND-EQUITY>                                                                 81,192
<INTEREST-LOAN>                                                                                 2,842
<INTEREST-INVEST>                                                                                 160
<INTEREST-OTHER>                                                                                  152
<INTEREST-TOTAL>                                                                                3,154
<INTEREST-DEPOSIT>                                                                              1,361
<INTEREST-EXPENSE>                                                                              1,381
<INTEREST-INCOME-NET>                                                                           1,773
<LOAN-LOSSES>                                                                                      20
<SECURITIES-GAINS>                                                                                  2
<EXPENSE-OTHER>                                                                                 1,597
<INCOME-PRETAX>                                                                                   393
<INCOME-PRE-EXTRAORDINARY>                                                                        393
<EXTRAORDINARY>                                                                                     0
<CHANGES>                                                                                           0
<NET-INCOME>                                                                                      245
<EPS-BASIC>                                                                                    0.26
<EPS-DILUTED>                                                                                    0.21
<YIELD-ACTUAL>                                                                                   4.49
<LOANS-NON>                                                                                       130
<LOANS-PAST>                                                                                      473
<LOANS-TROUBLED>                                                                                    0
<LOANS-PROBLEM>                                                                                   108
<ALLOWANCE-OPEN>                                                                                  461
<CHARGE-OFFS>                                                                                     101
<RECOVERIES>                                                                                        0
<ALLOWANCE-CLOSE>                                                                                 380
<ALLOWANCE-DOMESTIC>                                                                              380
<ALLOWANCE-FOREIGN>                                                                                 0
<ALLOWANCE-UNALLOCATED>                                                                             0


</TABLE>