<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1999,  (unaudited) and the  Consolidated
Statement  of Income for the six months ended June 30, 1999  (unaudited)  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>                                                         5,870
<INT-BEARING-DEPOSITS>                                       124,214
<FED-FUNDS-SOLD>                                              20,290
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   31,972
<INVESTMENTS-CARRYING>                                         4,224
<INVESTMENTS-MARKET>                                           4,348
<LOANS>                                                      118,776
<ALLOWANCE>                                                    1,361
<TOTAL-ASSETS>                                               190,588
<DEPOSITS>                                                   147,878
<SHORT-TERM>                                                  15,847
<LIABILITIES-OTHER>                                              136
<LONG-TERM>                                                    3,000
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                       4,746
<OTHER-SE>                                                    18,085
<TOTAL-LIABILITIES-AND-EQUITY>                               190,588
<INTEREST-LOAN>                                                4,587
<INTEREST-INVEST>                                              1,433
<INTEREST-OTHER>                                                   0
<INTEREST-TOTAL>                                               6,020
<INTEREST-DEPOSIT>                                             2,380
<INTEREST-EXPENSE>                                             2,596
<INTEREST-INCOME-NET>                                          3,424
<LOAN-LOSSES>                                                    291
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                3,079
<INCOME-PRETAX>                                                  805
<INCOME-PRE-EXTRAORDINARY>                                       805
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     532
<EPS-BASIC>                                                   0.19
<EPS-DILUTED>                                                   0.18
<YIELD-ACTUAL>                                                  4.45
<LOANS-NON>                                                      559
<LOANS-PAST>                                                       0
<LOANS-TROUBLED>                                                 205
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               1,093
<CHARGE-OFFS>                                                     67
<RECOVERIES>                                                      44
<ALLOWANCE-CLOSE>                                              1,361
<ALLOWANCE-DOMESTIC>                                           1,361
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0



</TABLE>