<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                            1926
<INT-BEARING-DEPOSITS>                            5448
<FED-FUNDS-SOLD>                                  8680
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      26872
<INVESTMENTS-CARRYING>                            8924
<INVESTMENTS-MARKET>                              8910
<LOANS>                                          58811
<ALLOWANCE>                                       1033
<TOTAL-ASSETS>                                  114672
<DEPOSITS>                                      102804
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1156
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                              575
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       10137
<TOTAL-LIABILITIES-AND-EQUITY>                  114672
<INTEREST-LOAN>                                   2575
<INTEREST-INVEST>                                  966
<INTEREST-OTHER>                                   365
<INTEREST-TOTAL>                                  3906
<INTEREST-DEPOSIT>                                2171
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                             1735
<LOAN-LOSSES>                                       47
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1201
<INCOME-PRETAX>                                    776
<INCOME-PRE-EXTRAORDINARY>                         776
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       560
<EPS-BASIC>                                     4.87
<EPS-DILUTED>                                     4.87
<YIELD-ACTUAL>                                    3.28
<LOANS-NON>                                         38
<LOANS-PAST>                                         1
<LOANS-TROUBLED>                                    29
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1001
<CHARGE-OFFS>                                       26
<RECOVERIES>                                        11
<ALLOWANCE-CLOSE>                                 1033
<ALLOWANCE-DOMESTIC>                              1033
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0