<ARTICLE> 9
<LEGEND>
THIS SCHEDULE OF FINANCIAL INFORMATION IS EXTRACTED FROM THE JUNE 30,1999
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          12,232
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     1
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    120,734
<INVESTMENTS-CARRYING>                          25,790
<INVESTMENTS-MARKET>                            25,919
<LOANS>                                        273,270
<ALLOWANCE>                                      2,884
<TOTAL-ASSETS>                                 445,362
<DEPOSITS>                                     382,993
<SHORT-TERM>                                     8,598
<LIABILITIES-OTHER>                              3,891
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,792
<OTHER-SE>                                      41,088
<TOTAL-LIABILITIES-AND-EQUITY>                 445,362
<INTEREST-LOAN>                                 11,375
<INTEREST-INVEST>                                4,722
<INTEREST-OTHER>                                   162
<INTEREST-TOTAL>                                16,259
<INTEREST-DEPOSIT>                               6,824
<INTEREST-EXPENSE>                               6,828
<INTEREST-INCOME-NET>                            9,431
<LOAN-LOSSES>                                      469
<SECURITIES-GAINS>                                  24
<EXPENSE-OTHER>                                  5,872
<INCOME-PRETAX>                                  4,712
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,479
<EPS-BASIC>                                        .94
<EPS-DILUTED>                                      .94
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0