<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 6,616 <INT-BEARING-DEPOSITS> 50 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 88,117 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 212,598 <ALLOWANCE> 2,274 <TOTAL-ASSETS> 318,568 <DEPOSITS> 282,384 <SHORT-TERM> 3,623 <LIABILITIES-OTHER> 2,885 <LONG-TERM> 1,838 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,773 <OTHER-SE> 25,065 <TOTAL-LIABILITIES-AND-EQUITY> 318,568 <INTEREST-LOAN> 8,910 <INTEREST-INVEST> 2,457 <INTEREST-OTHER> 55 <INTEREST-TOTAL> 11,422 <INTEREST-DEPOSIT> 5,631 <INTEREST-EXPENSE> 5,778 <INTEREST-INCOME-NET> 5,644 <LOAN-LOSSES> 120 <SECURITIES-GAINS> 227 <EXPENSE-OTHER> 4,459 <INCOME-PRETAX> 2,445 <INCOME-PRE-EXTRAORDINARY> 1,842 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,842 <EPS-BASIC> .66 <EPS-DILUTED> .66 <YIELD-ACTUAL> 4.09 <LOANS-NON> 770 <LOANS-PAST> 60 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 520 <ALLOWANCE-OPEN> 2,292 <CHARGE-OFFS> 177 <RECOVERIES> 39 <ALLOWANCE-CLOSE> 2,274 <ALLOWANCE-DOMESTIC> 1,642 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 632