<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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>                                          23,990
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     83,102
<INVESTMENTS-CARRYING>                          34,317
<INVESTMENTS-MARKET>                            34,194
<LOANS>                                        264,209
<ALLOWANCE>                                      2,211
<TOTAL-ASSETS>                                 416,279
<DEPOSITS>                                     365,016
<SHORT-TERM>                                     7,003
<LIABILITIES-OTHER>                              1,076
<LONG-TERM>                                      4,059
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      35,346
<TOTAL-LIABILITIES-AND-EQUITY>                 416,279
<INTEREST-LOAN>                                 10,770
<INTEREST-INVEST>                                3,710
<INTEREST-OTHER>                                   117
<INTEREST-TOTAL>                                14,597
<INTEREST-DEPOSIT>                               6,560
<INTEREST-EXPENSE>                               6,830
<INTEREST-INCOME-NET>                            7,767
<LOAN-LOSSES>                                      575
<SECURITIES-GAINS>                                  25
<EXPENSE-OTHER>                                  6,071
<INCOME-PRETAX>                                  3,656
<INCOME-PRE-EXTRAORDINARY>                       2,534
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,534
<EPS-BASIC>                                        .61
<EPS-DILUTED>                                      .61
<YIELD-ACTUAL>                                    4.10
<LOANS-NON>                                        436
<LOANS-PAST>                                       203
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,948
<CHARGE-OFFS>                                      416
<RECOVERIES>                                       104
<ALLOWANCE-CLOSE>                                2,211
<ALLOWANCE-DOMESTIC>                             1,911
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            300


</TABLE>