<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 6-30-99
10QSB FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           1,230
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,570
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,877
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         31,280
<ALLOWANCE>                                        920
<TOTAL-ASSETS>                                  53,560
<DEPOSITS>                                      42,256
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                395
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                      10,908
<TOTAL-LIABILITIES-AND-EQUITY>                  53,560
<INTEREST-LOAN>                                  1,234
<INTEREST-INVEST>                                  410
<INTEREST-OTHER>                                    90
<INTEREST-TOTAL>                                 1,734
<INTEREST-DEPOSIT>                                 691
<INTEREST-EXPENSE>                                 691
<INTEREST-INCOME-NET>                            1,043
<LOAN-LOSSES>                                       28
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,087
<INCOME-PRETAX>                                    118
<INCOME-PRE-EXTRAORDINARY>                         118
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        76
<EPS-BASIC>                                        .09
<EPS-DILUTED>                                      .09
<YIELD-ACTUAL>                                     7.8
<LOANS-NON>                                        149
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   835
<CHARGE-OFFS>                                        6
<RECOVERIES>                                        91
<ALLOWANCE-CLOSE>                                  920
<ALLOWANCE-DOMESTIC>                               920
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            518


</TABLE>