WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

[TYPE]                    EX-27
[DESCRIPTION]             ARTICLE 9 FDS FOR 10-Q
[TEXT]
<ARTICLE>                 9
<MULTIPLIER>              1000

<S>                                    <C>                         <C>
<PERIOD-TYPE>                          3-MOS                       6-MOS
<FISCAL-YEAR-END>                      DEC-31-1999                 DEC-31-1999
<PERIOD-END>                           JUN-30-1999                 JUN-30-1999
<CASH>                                   N/A                         8,987
<INT-BEARING-DEPOSITS>                   N/A                           541
<FED-FUNDS-SOLD>                         N/A                         5,900
<TRADING-ASSETS>                         N/A                             0
<INVESTMENTS-HELD-FOR-SALE>              N/A                        94,336
<INVESTMENTS-CARRYING>                   N/A                        14,164
<INVESTMENTS-MARKET>                     N/A                        14,565
<LOANS>                                  N/A                       175,143
<ALLOWANCE>                              N/A                         2,783
<TOTAL-ASSETS>                           N/A                       314,352
<DEPOSITS>                               N/A                       260,586
<SHORT-TERM>                             N/A                         2,897
<LIABILITIES-OTHER>                      N/A                         1,334
<LONG-TERM>                              N/A                        18,209
<PREFERRED-MANDATORY>                    N/A                             0
<PREFERRED>                              N/A                             0
<COMMON>                                 N/A                         4,000
<OTHER-SE>                               N/A                        27,326
<TOTAL-LIABILITIES-AND-EQUITY>           N/A                       314,352
<INTEREST-LOAN>                        2,964                         5,562
<INTEREST-INVEST>                      1,599                         3,188
<INTEREST-OTHER>                         191                           319
<INTEREST-TOTAL>                       4,754                         9,069
<INTEREST-DEPOSIT>                     1,948                         3,638
<INTEREST-EXPENSE>                     2,196                         4,113
<INTEREST-INCOME-NET>                  2,558                         4,956
<LOAN-LOSSES>                             60                           120
<SECURITIES-GAINS>                         0                             0
<EXPENSE-OTHER>                        1,740                         3,180
<INCOME-PRETAX>                        1,114                         2,292
<INCOME-PRE-EXTRAORDINARY>               802                         1,633
<EXTRAORDINARY>                            0                             0
<CHANGES>                                  0                             0
<NET-INCOME>                             802                         1,633
<EPS-BASIC>                           0.50                          1.02
<EPS-DILUTED>                           0.49                          1.01
<YIELD-ACTUAL>                           N/A                          3.95
<LOANS-NON>                              N/A                           967
<LOANS-PAST>                             N/A                           176
<LOANS-TROUBLED>                         N/A                             0
<LOANS-PROBLEM>                          N/A                             0
<ALLOWANCE-OPEN>                         N/A                         1,580
<CHARGE-OFFS>                            N/A                            99
<RECOVERIES>                             N/A                            16
<ALLOWANCE-CLOSE>                        N/A                         2,783
<ALLOWANCE-DOMESTIC>                     N/A                         1,454
<ALLOWANCE-FOREIGN>                      N/A                             0
<ALLOWANCE-UNALLOCATED>                  N/A                         1,329




</TABLE>