<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated Balance Sheet
at  June  30, 1999 (unaudited) and the Consolidated Statements of Income for the
six  months  ended June 30, 1999 (unaudited) and is qualified in its entirety by
reference  to  such  statements.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. Dollars

                                     
<PERIOD-TYPE>                           6-MOS
<FISCAL-YEAR-END>                       DEC-31-1999
<PERIOD-START>                          JAN-01-1999
<PERIOD-END>                            JUN-30-1999
<EXCHANGE-RATE>                         1
<CASH>                                        5930
<INT-BEARING-DEPOSITS>                         614
<FED-FUNDS-SOLD>                              2220
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  25233
<INVESTMENTS-CARRYING>                           0
<INVESTMENTS-MARKET>                             0
<LOANS>                                     141625
<ALLOWANCE>                                   2050
<TOTAL-ASSETS>                              181705
<DEPOSITS>                                  153562
<SHORT-TERM>                                  2500
<LIABILITIES-OTHER>                           2230
<LONG-TERM>                                   7000
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                      3050
<OTHER-SE>                                   13363
<TOTAL-LIABILITIES-AND-EQUITY>              181705
<INTEREST-LOAN>                               6483
<INTEREST-INVEST>                              714
<INTEREST-OTHER>                                57
<INTEREST-TOTAL>                              7254
<INTEREST-DEPOSIT>                            2825
<INTEREST-EXPENSE>                            3103
<INTEREST-INCOME-NET>                         4151
<LOAN-LOSSES>                                  210
<SECURITIES-GAINS>                              22
<EXPENSE-OTHER>                               3112
<INCOME-PRETAX>                               1612
<INCOME-PRE-EXTRAORDINARY>                    1612
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                  1149
<EPS-BASIC>                                  .38
<EPS-DILUTED>                                  .32
<YIELD-ACTUAL>                                5.32
<LOANS-NON>                                      0
<LOANS-PAST>                                   328
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                              1827
<CHARGE-OFFS>                                  148
<RECOVERIES>                                   161
<ALLOWANCE-CLOSE>                             2050
<ALLOWANCE-DOMESTIC>                          2050
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                       2050