<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE
30, 1999 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          13,100
<INT-BEARING-DEPOSITS>                           2,672
<FED-FUNDS-SOLD>                                 8,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    121,010
<INVESTMENTS-CARRYING>                          18,332
<INVESTMENTS-MARKET>                            18,309
<LOANS>                                        153,390
<ALLOWANCE>                                      3,305
<TOTAL-ASSETS>                                 324,818
<DEPOSITS>                                     274,958
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             12,177
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           775
<OTHER-SE>                                      36,908
<TOTAL-LIABILITIES-AND-EQUITY>                 324,818
<INTEREST-LOAN>                                  6,776
<INTEREST-INVEST>                                3,838
<INTEREST-OTHER>                                   704
<INTEREST-TOTAL>                                11,318
<INTEREST-DEPOSIT>                               4,883
<INTEREST-EXPENSE>                               5,119
<INTEREST-INCOME-NET>                            6,199
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,421
<INCOME-PRETAX>                                  4,169
<INCOME-PRE-EXTRAORDINARY>                       2,851
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,851
<EPS-BASIC>                                    10.16
<EPS-DILUTED>                                    10.16
<YIELD-ACTUAL>                                    4.09
<LOANS-NON>                                        470
<LOANS-PAST>                                     1,079
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    320
<ALLOWANCE-OPEN>                                 3,392
<CHARGE-OFFS>                                      246
<RECOVERIES>                                       159
<ALLOWANCE-CLOSE>                                3,305
<ALLOWANCE-DOMESTIC>                             3,305
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0