<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
Financial Data Schedule - This exhibit is included only in the electronic EDGAR
filing version of this Form 10-K. The financial data schedule is not a separate
financial statement, but a schedule that summarizes certain standard financial
information extracted directly from the financial statements in this filing.
</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>                                           9,637
<INT-BEARING-DEPOSITS>                          23,132
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     59,873
<INVESTMENTS-CARRYING>                          10,666
<INVESTMENTS-MARKET>                            10,567
<LOANS>                                        133,916
<ALLOWANCE>                                      1,447
<TOTAL-ASSETS>                                 244,306
<DEPOSITS>                                     191,907
<SHORT-TERM>                                    20,239
<LIABILITIES-OTHER>                                576
<LONG-TERM>                                      7,254
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        19,868
<OTHER-SE>                                       4,770
<TOTAL-LIABILITIES-AND-EQUITY>                 244,306
<INTEREST-LOAN>                                  6,198
<INTEREST-INVEST>                                1,642
<INTEREST-OTHER>                                   487
<INTEREST-TOTAL>                                 8,328
<INTEREST-DEPOSIT>                               2,574
<INTEREST-EXPENSE>                               2,958
<INTEREST-INCOME-NET>                            5,369
<LOAN-LOSSES>                                      132
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,851
<INCOME-PRETAX>                                  2,563
<INCOME-PRE-EXTRAORDINARY>                       2,563
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,690
<EPS-BASIC>                                       0.41
<EPS-DILUTED>                                     0.41
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                        223
<LOANS-PAST>                                     1,167
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,419
<CHARGE-OFFS>                                      105
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,447
<ALLOWANCE-DOMESTIC>                             1,447
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information not calculated for interim reports.
</FN>


</TABLE>