<TABLE> <S> <C>


<ARTICLE>                                                                9
<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>                                                               3,172
<INT-BEARING-DEPOSITS>                                               4,746
<FED-FUNDS-SOLD>                                                     1,050
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                          9,942
<INVESTMENTS-CARRYING>                                               3,579
<INVESTMENTS-MARKET>                                                 3,575
<LOANS>                                                            221,830
<ALLOWANCE>                                                          1,517
<TOTAL-ASSETS>                                                     136,446
<DEPOSITS>                                                         115,607
<SHORT-TERM>                                                             0
<LIABILITIES-OTHER>                                                  1,203
<LONG-TERM>                                                          1,896
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                                 0
<OTHER-SE>                                                          17,740
<TOTAL-LIABILITIES-AND-EQUITY>                                     136,443
<INTEREST-LOAN>                                                      4,439
<INTEREST-INVEST>                                                      288
<INTEREST-OTHER>                                                       232
<INTEREST-TOTAL>                                                     4,959
<INTEREST-DEPOSIT>                                                   2,310
<INTEREST-EXPENSE>                                                   2,340
<INTEREST-INCOME-NET>                                                2,619
<LOAN-LOSSES>                                                          100
<SECURITIES-GAINS>                                                       0
<EXPENSE-OTHER>                                                      2,048
<INCOME-PRETAX>                                                        882
<INCOME-PRE-EXTRAORDINARY>                                             540
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                           540
<EPS-BASIC>                                                          .51
<EPS-DILUTED>                                                          .51
<YIELD-ACTUAL>                                                        4.03
<LOANS-NON>                                                             38
<LOANS-PAST>                                                         1,958
<LOANS-TROUBLED>                                                     1,227
<LOANS-PROBLEM>                                                          0
<ALLOWANCE-OPEN>                                                     1,477
<CHARGE-OFFS>                                                           70
<RECOVERIES>                                                            10
<ALLOWANCE-CLOSE>                                                    1,517
<ALLOWANCE-DOMESTIC>                                                    50
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                              1,467



</TABLE>