<ARTICLE> 9 <MULTIPLIER> 1000 <CURRENCY> U.S. <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <EXCHANGE-RATE> 1 <CASH> 5,997 <INT-BEARING-DEPOSITS> 38,176 <FED-FUNDS-SOLD> 1,735 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,416 <INVESTMENTS-CARRYING> 12,244 <INVESTMENTS-MARKET> 12,009 <LOANS> 46,997 <ALLOWANCE> 615 <TOTAL-ASSETS> 75,341 <DEPOSITS> 66,178 <SHORT-TERM> 0 <LIABILITIES-OTHER> 472 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,646 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 75,341 <INTEREST-LOAN> 1,762 <INTEREST-INVEST> 506 <INTEREST-OTHER> 141 <INTEREST-TOTAL> 2,409 <INTEREST-DEPOSIT> 680 <INTEREST-EXPENSE> 680 <INTEREST-INCOME-NET> 1,729 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,807 <INCOME-PRETAX> 144 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 152 <EPS-BASIC> .04 <EPS-DILUTED> .04 <YIELD-ACTUAL> 7.25 <LOANS-NON> 30 <LOANS-PAST> 682 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 733 <CHARGE-OFFS> 137 <RECOVERIES> 19 <ALLOWANCE-CLOSE> 615 <ALLOWANCE-DOMESTIC> 615 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 615