<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contain summary financial information extracted from Form 10-QSB
for the period ended June 30, 1999 and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<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>                                           4,401
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,578
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,607
<INVESTMENTS-CARRYING>                          13,025
<INVESTMENTS-MARKET>                            12,602
<LOANS>                                         65,345
<ALLOWANCE>                                        707
<TOTAL-ASSETS>                                  97,788
<DEPOSITS>                                      79,273
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                981
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            35
<OTHER-SE>                                      17,498
<TOTAL-LIABILITIES-AND-EQUITY>                  97,788
<INTEREST-LOAN>                                  2,280
<INTEREST-INVEST>                                  426
<INTEREST-OTHER>                                   375
<INTEREST-TOTAL>                                 3,031
<INTEREST-DEPOSIT>                               1,189
<INTEREST-EXPENSE>                               1,189
<INTEREST-INCOME-NET>                            1,842
<LOAN-LOSSES>                                      254
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,498<F1>
<INCOME-PRETAX>                                    357
<INCOME-PRE-EXTRAORDINARY>                         357
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       238
<EPS-BASIC>                                        .07
<EPS-DILUTED>                                      .07
<YIELD-ACTUAL>                                    4.42
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   453
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  707
<ALLOWANCE-DOMESTIC>                               707
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $685, occupancy of
$234, professional fees of $84, and other expenses which totaled $495.
</FN>


</TABLE>