<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
The schedule contains summary information extracted from the quarterly report on
Form 10-QSB for the quarter 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-END>                                          JUN-30-1999
<CASH>                                                       1597
<INT-BEARING-DEPOSITS>                                       9572
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                 11653
<INVESTMENTS-CARRYING>                                          0
<INVESTMENTS-MARKET>                                            0
<LOANS>                                                    217048
<ALLOWANCE>                                                 (1638)
<TOTAL-ASSETS>                                             249843
<DEPOSITS>                                                 171867
<SHORT-TERM>                                                58000
<LIABILITIES-OTHER>                                           961
<LONG-TERM>                                                   139
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                        9
<OTHER-SE>                                                  18867
<TOTAL-LIABILITIES-AND-EQUITY>                             249843
<INTEREST-LOAN>                                              8447
<INTEREST-INVEST>                                             454
<INTEREST-OTHER>                                              130
<INTEREST-TOTAL>                                             9031
<INTEREST-DEPOSIT>                                           3531
<INTEREST-EXPENSE>                                           5166
<INTEREST-INCOME-NET>                                        3865
<LOAN-LOSSES>                                                  60
<SECURITIES-GAINS>                                              0
<EXPENSE-OTHER>                                              2941
<INCOME-PRETAX>                                              1494
<INCOME-PRE-EXTRAORDINARY>                                   1494
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                  896
<EPS-BASIC>                                                0.69
<EPS-DILUTED>                                                0.67
<YIELD-ACTUAL>                                               3.28
<LOANS-NON>                                                  1338
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                             1400
<LOANS-PROBLEM>                                              1524
<ALLOWANCE-OPEN>                                            (1578)
<CHARGE-OFFS>                                                   0
<RECOVERIES>                                                    0
<ALLOWANCE-CLOSE>                                           (1638)
<ALLOWANCE-DOMESTIC>                                        (1638)
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                       160


</TABLE>