<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-END>                                         JUN-30-1999
<CASH>                                                 5,928,534
<INT-BEARING-DEPOSITS>                                    27,260
<FED-FUNDS-SOLD>                                      11,396,000
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                            5,309,817
<INVESTMENTS-CARRYING>                                 4,048,332
<INVESTMENTS-MARKET>                                   3,983,484
<LOANS>                                               71,911,510
<ALLOWANCE>                                              804,758
<TOTAL-ASSETS>                                       102,735,540
<DEPOSITS>                                            92,866,347
<SHORT-TERM>                                                   0
<LIABILITIES-OTHER>                                      524,108
<LONG-TERM>                                              221,189
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                               2,055,186
<OTHER-SE>                                             7,068,710
<TOTAL-LIABILITIES-AND-EQUITY>                       102,735,540
<INTEREST-LOAN>                                        3,536,894
<INTEREST-INVEST>                                        270,967
<INTEREST-OTHER>                                         170,525
<INTEREST-TOTAL>                                       3,978,386
<INTEREST-DEPOSIT>                                     1,653,344
<INTEREST-EXPENSE>                                     1,662,357
<INTEREST-INCOME-NET>                                  2,316,029
<LOAN-LOSSES>                                            115,000
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                        1,850,842
<INCOME-PRETAX>                                          764,804
<INCOME-PRE-EXTRAORDINARY>                               764,804
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                             498,549
<EPS-BASIC>                                                .24
<EPS-DILUTED>                                                .24
<YIELD-ACTUAL>                                              5.32
<LOANS-NON>                                              151,549
<LOANS-PAST>                                             129,688
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                         754,597
<CHARGE-OFFS>                                             81,204
<RECOVERIES>                                              16,365
<ALLOWANCE-CLOSE>                                        804,758
<ALLOWANCE-DOMESTIC>                                     804,758
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0


</TABLE>