<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 7,516 <INT-BEARING-DEPOSITS> 286 <FED-FUNDS-SOLD> 8,650 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 23,116 <INVESTMENTS-CARRYING> 2,000 <INVESTMENTS-MARKET> 1,986 <LOANS> 127,941 <ALLOWANCE> 1,301 <TOTAL-ASSETS> 174,252 <DEPOSITS> 158,843 <SHORT-TERM> 750 <LIABILITIES-OTHER> 1,371 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,226 <OTHER-SE> 4,062 <TOTAL-LIABILITIES-AND-EQUITY> 174,252 <INTEREST-LOAN> 6,029 <INTEREST-INVEST> 955 <INTEREST-OTHER> 89 <INTEREST-TOTAL> 7,073 <INTEREST-DEPOSIT> 2,070 <INTEREST-EXPENSE> 2,093 <INTEREST-INCOME-NET> 4,980 <LOAN-LOSSES> 125 <SECURITIES-GAINS> 12 <EXPENSE-OTHER> 3,558 <INCOME-PRETAX> 1,830 <INCOME-PRE-EXTRAORDINARY> 1,830 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,076 <EPS-BASIC> .54 <EPS-DILUTED> .52 <YIELD-ACTUAL> 9.03 <LOANS-NON> 50 <LOANS-PAST> 237 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,117 <CHARGE-OFFS> 11 <RECOVERIES> 70 <ALLOWANCE-CLOSE> 1,301 <ALLOWANCE-DOMESTIC> 956 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 345