<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED CONDENSED BALANCE SHEET AT JUEN 30, 1999 (UNAUDITED),  CONSOLIDATED
CONDENSED STATEMENT OF INCOME FOR THE SIX MONTHS ENDED JUNE 30, 1999 (UNAUDITED)
AND  THE  NOTES  TO  THE  CONSOLIDATED  CONDENSED  FINANCIAL  STATEMENTS  AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           5,018
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                22,470
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           9,520
<INVESTMENTS-MARKET>                             9,387
<LOANS>                                         63,222
<ALLOWANCE>                                      1,134
<TOTAL-ASSETS>                                 103,658
<DEPOSITS>                                      81,579
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                                473
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,008
<OTHER-SE>                                     (1,402)
<TOTAL-LIABILITIES-AND-EQUITY>                 103,658
<INTEREST-LOAN>                                  2,320
<INTEREST-INVEST>                                  337
<INTEREST-OTHER>                                   318
<INTEREST-TOTAL>                                 2,975
<INTEREST-DEPOSIT>                                 999
<INTEREST-EXPENSE>                               1,000
<INTEREST-INCOME-NET>                            1,975
<LOAN-LOSSES>                                      222
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,680
<INCOME-PRETAX>                                    204
<INCOME-PRE-EXTRAORDINARY>                         204
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       204
<EPS-BASIC>                                     0.11
<EPS-DILUTED>                                     0.11
<YIELD-ACTUAL>                                    0.07
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   914
<CHARGE-OFFS>                                        2
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,134
<ALLOWANCE-DOMESTIC>                               994
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            140


</TABLE>