<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 8,289 <INT-BEARING-DEPOSITS> 2,929 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 127,526 <INVESTMENTS-CARRYING> 12,665 <INVESTMENTS-MARKET> 12,481 <LOANS> 173,773 <ALLOWANCE> 2,502 <TOTAL-ASSETS> 329,927 <DEPOSITS> 244,798 <SHORT-TERM> 34,882 <LIABILITIES-OTHER> 1,747 <LONG-TERM> 17,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,867 <OTHER-SE> 25,633 <TOTAL-LIABILITIES-AND-EQUITY> 329,927 <INTEREST-LOAN> 7,022 <INTEREST-INVEST> 4,025 <INTEREST-OTHER> 153 <INTEREST-TOTAL> 11,200 <INTEREST-DEPOSIT> 4,726 <INTEREST-EXPENSE> 1,013 <INTEREST-INCOME-NET> 5,461 <LOAN-LOSSES> 175 <SECURITIES-GAINS> 96 <EXPENSE-OTHER> 3,008 <INCOME-PRETAX> 3,120 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,523 <EPS-BASIC> .87 <EPS-DILUTED> .87 <YIELD-ACTUAL> 3.96 <LOANS-NON> 746 <LOANS-PAST> 60 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 5,603 <ALLOWANCE-OPEN> 2,421 <CHARGE-OFFS> 107 <RECOVERIES> 13 <ALLOWANCE-CLOSE> 2,502 <ALLOWANCE-DOMESTIC> 2,502 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 547