<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 12,511 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 138,170 <INVESTMENTS-CARRYING> 83,511 <INVESTMENTS-MARKET> 83,577 <LOANS> 188,034 <ALLOWANCE> 2,013 <TOTAL-ASSETS> 442,774 <DEPOSITS> 398,379 <SHORT-TERM> 570 <LIABILITIES-OTHER> 1,597 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,199 <OTHER-SE> 37,029 <TOTAL-LIABILITIES-AND-EQUITY> 442,774 <INTEREST-LOAN> 7,456 <INTEREST-INVEST> 6,675 <INTEREST-OTHER> 422 <INTEREST-TOTAL> 14,553 <INTEREST-DEPOSIT> 6,123 <INTEREST-EXPENSE> 6,130 <INTEREST-INCOME-NET> 8,423 <LOAN-LOSSES> 130 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,435 <INCOME-PRETAX> 4,304 <INCOME-PRE-EXTRAORDINARY> 4,304 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,937 <EPS-BASIC> .57 <EPS-DILUTED> .55 <YIELD-ACTUAL> 6.89 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,850 <CHARGE-OFFS> 19 <RECOVERIES> 52 <ALLOWANCE-CLOSE> 2,013 <ALLOWANCE-DOMESTIC> 2,013 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0