<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 10,678 <INT-BEARING-DEPOSITS> 584 <FED-FUNDS-SOLD> 1,475 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55,512 <INVESTMENTS-CARRYING> 17,974 <INVESTMENTS-MARKET> 18,024 <LOANS> 380,660 <ALLOWANCE> 4,688 <TOTAL-ASSETS> 482,660 <DEPOSITS> 372,070 <SHORT-TERM> 28,580 <LIABILITIES-OTHER> 6,127 <LONG-TERM> 34,086 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,531 <OTHER-SE> 38,266 <TOTAL-LIABILITIES-AND-EQUITY> 482,660 <INTEREST-LOAN> 17,098 <INTEREST-INVEST> 2,109 <INTEREST-OTHER> 120 <INTEREST-TOTAL> 19,327 <INTEREST-DEPOSIT> 7,426 <INTEREST-EXPENSE> 8,934 <INTEREST-INCOME-NET> 10,393 <LOAN-LOSSES> 1,005 <SECURITIES-GAINS> 63 <EXPENSE-OTHER> 7,695 <INCOME-PRETAX> 3,011 <INCOME-PRE-EXTRAORDINARY> 3,011 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,173 <EPS-BASIC> .62 <EPS-DILUTED> .62 <YIELD-ACTUAL> 4.60 <LOANS-NON> 2,001 <LOANS-PAST> 2,626 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 200 <ALLOWANCE-OPEN> 4,277 <CHARGE-OFFS> 708 <RECOVERIES> 114 <ALLOWANCE-CLOSE> 4,688 <ALLOWANCE-DOMESTIC> 2,876 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,812