<TABLE> <S> <C>

<ARTICLE>                                           9
<MULTIPLIER>                                        1,000

<S>                                                 <C>
<PERIOD-TYPE>                                                  6-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-END>                                        JUN-30-1999
<CASH>                                                         6,939
<INT-BEARING-DEPOSITS>                                           148
<FED-FUNDS-SOLD>                                               4,106
<TRADING-ASSETS>                                                 108
<INVESTMENTS-HELD-FOR-SALE>                                   11,520
<INVESTMENTS-CARRYING>                                        11,437
<INVESTMENTS-MARKET>                                          14,538
<LOANS>                                                      130,722
<ALLOWANCE>                                                    2,076
<TOTAL-ASSETS>                                               184,569
<DEPOSITS>                                                   154,313
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            1,919
<LONG-TERM>                                                      630
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                      100
<COMMON>                                                          42
<OTHER-SE>                                                    15,496
<TOTAL-LIABILITIES-AND-EQUITY>                               184,569
<INTEREST-LOAN>                                                5,874
<INTEREST-INVEST>                                                861
<INTEREST-OTHER>                                                 133
<INTEREST-TOTAL>                                               6,868
<INTEREST-DEPOSIT>                                             2,272
<INTEREST-EXPENSE>                                             2,762
<INTEREST-INCOME-NET>                                          4,106
<LOAN-LOSSES>                                                    405
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                4,540
<INCOME-PRETAX>                                                1,491
<INCOME-PRE-EXTRAORDINARY>                                     1,491
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     942
<EPS-BASIC>                                                   0.23
<EPS-DILUTED>                                                   0.22
<YIELD-ACTUAL>                                                  5.19
<LOANS-NON>                                                    3,017
<LOANS-PAST>                                                     552
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               1,984
<CHARGE-OFFS>                                                    318
<RECOVERIES>                                                       5
<ALLOWANCE-CLOSE>                                              2,076
<ALLOWANCE-DOMESTIC>                                           2,076
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          187


</TABLE>