<TABLE> <S> <C>



<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   7-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-END>                               JUN-30-1999             JUN-30-1998
<CASH>                                            2774                    1560
<INT-BEARING-DEPOSITS>                            2322                      40
<FED-FUNDS-SOLD>                                  9060                   30500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      36055                   30684
<INVESTMENTS-CARRYING>                           31553                   30715
<INVESTMENTS-MARKET>                             30429                   27567
<LOANS>                                          71797                   58060
<ALLOWANCE>                                       1200                    1275
<TOTAL-ASSETS>                                  159371                  155869
<DEPOSITS>                                      126916                  125075
<SHORT-TERM>                                      6000                    6000
<LIABILITIES-OTHER>                                781                    1077
<LONG-TERM>                                      15749                   13749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                    1547
<COMMON>                                          2126                    2051
<OTHER-SE>                                        6252                    9968
<TOTAL-LIABILITIES-AND-EQUITY>                  159371                  155869
<INTEREST-LOAN>                                   3021                    2599
<INTEREST-INVEST>                                 2104                    2146
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  5125                    4745
<INTEREST-DEPOSIT>                                1871                    1926
<INTEREST-EXPENSE>                                 504                     336
<INTEREST-INCOME-NET>                             2750                    2483
<LOAN-LOSSES>                                      184                     497
<SECURITIES-GAINS>                                  15                       9
<EXPENSE-OTHER>                                   2552                    2431
<INCOME-PRETAX>                                    782                     249
<INCOME-PRE-EXTRAORDINARY>                         269                     241
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       513                     198
<EPS-BASIC>                                     3.43                    1.51
<EPS-DILUTED>                                     3.12                    1.38
<YIELD-ACTUAL>                                    3.78                    3.53
<LOANS-NON>                                       2439                     994
<LOANS-PAST>                                       344                    3718
<LOANS-TROUBLED>                                   406                    1799
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  1415                     825
<CHARGE-OFFS>                                      426                     100
<RECOVERIES>                                        28                      53
<ALLOWANCE-CLOSE>                                 1200                    1275
<ALLOWANCE-DOMESTIC>                              1026                    1246
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            174                      29




</TABLE>