<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           7,710
<INT-BEARING-DEPOSITS>                             268
<FED-FUNDS-SOLD>                                   744
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     52,217
<INVESTMENTS-CARRYING>                           5,129
<INVESTMENTS-MARKET>                             5,047
<LOANS>                                        109,249
<ALLOWANCE>                                    (1,165)
<TOTAL-ASSETS>                                 179,121
<DEPOSITS>                                     159,654
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                              2,204
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      14,263
<TOTAL-LIABILITIES-AND-EQUITY>                 179,121
<INTEREST-LOAN>                                  4,309
<INTEREST-INVEST>                                1,652
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,961
<INTEREST-DEPOSIT>                               2,643
<INTEREST-EXPENSE>                               2,646
<INTEREST-INCOME-NET>                            3,315
<LOAN-LOSSES>                                      270
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,069
<INCOME-PRETAX>                                    500
<INCOME-PRE-EXTRAORDINARY>                         500
<EXTRAORDINARY>                                    163
<CHANGES>                                            0
<NET-INCOME>                                       337
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.92
<LOANS-NON>                                        139
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    648
<ALLOWANCE-OPEN>                               (1,074)
<CHARGE-OFFS>                                      245
<RECOVERIES>                                        66
<ALLOWANCE-CLOSE>                              (1,165)
<ALLOWANCE-DOMESTIC>                           (1,165)
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0