<TABLE> <S> <C>

<ARTICLE>         9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet  at June  30,  1999  and  the  unaudited
Consolidated  Statement  of Income for the six months 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>                                                                                                   2,791
<INT-BEARING-DEPOSITS>                                                                                       0
<FED-FUNDS-SOLD>                                                                                        18,810
<TRADING-ASSETS>                                                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                                                             51,108
<INVESTMENTS-CARRYING>                                                                                       0
<INVESTMENTS-MARKET>                                                                                         0
<LOANS>                                                                                                 71,304
<ALLOWANCE>                                                                                                964
<TOTAL-ASSETS>                                                                                         148,602
<DEPOSITS>                                                                                             133,952
<SHORT-TERM>                                                                                                 0
<LIABILITIES-OTHER>                                                                                      1,151
<LONG-TERM>                                                                                                  0
<PREFERRED-MANDATORY>                                                                                        0
<PREFERRED>                                                                                                  0
<COMMON>                                                                                                10,624
<OTHER-SE>                                                                                               2,875
<TOTAL-LIABILITIES-AND-EQUITY>                                                                         148,602
<INTEREST-LOAN>                                                                                          3,096
<INTEREST-INVEST>                                                                                        1,354
<INTEREST-OTHER>                                                                                           573
<INTEREST-TOTAL>                                                                                         5,023
<INTEREST-DEPOSIT>                                                                                       2,791
<INTEREST-EXPENSE>                                                                                       2,791
<INTEREST-INCOME-NET>                                                                                    2,232
<LOAN-LOSSES>                                                                                               95
<SECURITIES-GAINS>                                                                                           0
<EXPENSE-OTHER>                                                                                          1,227
<INCOME-PRETAX>                                                                                          1,215
<INCOME-PRE-EXTRAORDINARY>                                                                                 786
<EXTRAORDINARY>                                                                                              0
<CHANGES>                                                                                                    0
<NET-INCOME>                                                                                               786
<EPS-BASIC>                                                                                              .44
<EPS-DILUTED>                                                                                              .40
<YIELD-ACTUAL>                                                                                            3.24
<LOANS-NON>                                                                                                286
<LOANS-PAST>                                                                                                 0
<LOANS-TROUBLED>                                                                                             0
<LOANS-PROBLEM>                                                                                            255
<ALLOWANCE-OPEN>                                                                                           955
<CHARGE-OFFS>                                                                                               90
<RECOVERIES>                                                                                                 4
<ALLOWANCE-CLOSE>                                                                                          964
<ALLOWANCE-DOMESTIC>                                                                                       964
<ALLOWANCE-FOREIGN>                                                                                          0
<ALLOWANCE-UNALLOCATED>                                                                                      0


</TABLE>