<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT  ON FORM  10-QSB  FOR THE  FISCAL  PERIODS  ENDED  JUNE  30,  1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                1,000

<S>                                                 <C>              <C>               <C>               <C>
<PERIOD-TYPE>                                        3-MOS            3-MOS             6-MOS             6-MOS
<FISCAL-YEAR-END>                                    Dec-31-1999      Dec-31-1998       Dec-31-1999        Dec-31-1998
<PERIOD-END>                                         Jun-30-1999      Jun-30-1998       Jun-30-1999        Jun-30-1998
<CASH>                                                     1,257              977             1,257                977
<INT-BEARING-DEPOSITS>                                       814            1,948               814              1,948
<FED-FUNDS-SOLD>                                               0                0                 0                  0
<TRADING-ASSETS>                                               0                0                 0                  0
<INVESTMENTS-HELD-FOR-SALE>                               36,485           39,630            36,485             39,630
<INVESTMENTS-CARRYING>                                    21,601           15,193            21,601             15,193
<INVESTMENTS-MARKET>                                      21,743           15,448            21,743             15,448
<LOANS>                                                   98,794           94,809            98,794             94,809
<ALLOWANCE>                                                  504              458               504                458
<TOTAL-ASSETS>                                           165,266          159,460           165,266            159,460
<DEPOSITS>                                               107,895          105,806           107,895            105,806
<SHORT-TERM>                                              10,000           18,000            10,000             18,000
<LIABILITIES-OTHER>                                        1,063            1,254             1,063              1,254
<LONG-TERM>                                               34,000           23,000            34,000             23,000
<COMMON>                                                  12,308           11,400            12,308             11,400
<PREFERRED-MANDATORY>                                          0                0                 0                  0
<PREFERRED>                                                    0                0                 0                  0
<OTHER-SE>                                                     0                0                 0                  0
<TOTAL-LIABILITIES-AND-EQUITY>                           165,266          159,460           165,266            159,460
<INTEREST-LOAN>                                            1,865            1,892             3,772              3,740
<INTEREST-INVEST>                                            943              969             1,893              1,932
<INTEREST-OTHER>                                               0                0                 0                  0
<INTEREST-TOTAL>                                           2,808            2,861             5,665              5,672
<INTEREST-DEPOSIT>                                         1,187            1,233             2,378              2,463
<INTEREST-EXPENSE>                                         1,787            1,809             3,570              3,580
<INTEREST-INCOME-NET>                                      1,021            1,052             2,095              2,092
<LOAN-LOSSES>                                                 12               12                24                 24
<SECURITIES-GAINS>                                             4               61                 7                 97
<EXPENSE-OTHER>                                              676              731             1,391              1,423
<INCOME-PRETAX>                                              450              593               903               1053
<INCOME-PRE-EXTRAORDINARY>                                   450              593               903               1053
<EXTRAORDINARY>                                                0                0                 0                  0
<CHANGES>                                                      0                0                 0                  0
<NET-INCOME>                                                 332              409               667                720
<EPS-BASIC>                                               0.30             0.39              0.61               0.70
<EPS-DILUTED>                                               0.30             0.37              0.60               0.65
<YIELD-ACTUAL>                                              2.70             2.88              2.77               2.83
<LOANS-NON>                                                  124              371               124                371
<LOANS-PAST>                                                   0                0                 0                  0
<LOANS-TROUBLED>                                               0                0                 0                  0
<LOANS-PROBLEM>                                                0                0                 0                  0
<ALLOWANCE-OPEN>                                             492              460               480                568
<CHARGE-OFFS>                                                  0               14                 0                134
<RECOVERIES>                                                   0                0                 0                  0
<ALLOWANCE-CLOSE>                                            504              458               504                458
<ALLOWANCE-DOMESTIC>                                         284              362               284                362
<ALLOWANCE-FOREIGN>                                            0                0                 0                  0
<ALLOWANCE-UNALLOCATED>                                      220               96               220                 96





</TABLE>