<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 7212 <INT-BEARING-DEPOSITS> 1789 <FED-FUNDS-SOLD> 16900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32507 <INVESTMENTS-CARRYING> 10791 <INVESTMENTS-MARKET> 10537 <LOANS> 68261 <ALLOWANCE> 826 <TOTAL-ASSETS> 148558 <DEPOSITS> 109644 <SHORT-TERM> 25 <LIABILITIES-OTHER> 1447 <LONG-TERM> 22588 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4434 <OTHER-SE> 10420 <TOTAL-LIABILITIES-AND-EQUITY> 148558 <INTEREST-LOAN> 3465 <INTEREST-INVEST> 1254 <INTEREST-OTHER> 321 <INTEREST-TOTAL> 5040 <INTEREST-DEPOSIT> 1575 <INTEREST-EXPENSE> 2249 <INTEREST-INCOME-NET> 2791 <LOAN-LOSSES> 66 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1728 <INCOME-PRETAX> 1505 <INCOME-PRE-EXTRAORDINARY> 948 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 948 <EPS-BASIC> 0.59 <EPS-DILUTED> 0.53 <YIELD-ACTUAL> 4.29 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1719 <ALLOWANCE-OPEN> 716 <CHARGE-OFFS> 0 <RECOVERIES> 44 <ALLOWANCE-CLOSE> 66 <ALLOWANCE-DOMESTIC> 551 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 275