<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CONSOLIDATED BALANCE SHEET AND INCOME STATEMENT OF CHOICEONE
FINANCIAL SERVICES, INC. INCLUDED IN THE JUNE 30, 1999, FORM 10-QSB AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                          1,000

                                                            
<PERIOD-TYPE>                                                         6-MOS
<FISCAL-YEAR-END>                                               DEC-31-1999
<PERIOD-START>                                                  JAN-01-1999
<PERIOD-END>                                                    JUN-30-1999
<CASH>                                                                3,736
<INT-BEARING-DEPOSITS>                                                    6
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          18,175
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                             147,616
<ALLOWANCE>                                                           1,897
<TOTAL-ASSETS>                                                      174,121
<DEPOSITS>                                                          120,643
<SHORT-TERM>                                                          9,032
<LIABILITIES-OTHER>                                                   1,702
<LONG-TERM>                                                          26,221
<COMMON>                                                                  0
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                           16,523
<TOTAL-LIABILITIES-AND-EQUITY>                                      174,121
<INTEREST-LOAN>                                                       6,488
<INTEREST-INVEST>                                                       511
<INTEREST-OTHER>                                                          1
<INTEREST-TOTAL>                                                      7,000
<INTEREST-DEPOSIT>                                                    2,364
<INTEREST-EXPENSE>                                                    3,309
<INTEREST-INCOME-NET>                                                 3,691
<LOAN-LOSSES>                                                           220
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                       3,051
<INCOME-PRETAX>                                                       1,387
<INCOME-PRE-EXTRAORDINARY>                                              956
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            956
<EPS-BASIC>                                                           .86
<EPS-DILUTED>                                                           .86
<YIELD-ACTUAL>                                                         4.71
<LOANS-NON>                                                             761
<LOANS-PAST>                                                            718
<LOANS-TROUBLED>                                                         85
<LOANS-PROBLEM>                                                       4,009
<ALLOWANCE-OPEN>                                                      1,851
<CHARGE-OFFS>                                                           220
<RECOVERIES>                                                             46
<ALLOWANCE-CLOSE>                                                     1,897
<ALLOWANCE-DOMESTIC>                                                  1,738
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 159