<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