<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL DOCUMENTS. </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> 11,655 <INT-BEARING-DEPOSITS> 149 <FED-FUNDS-SOLD> 12,683 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 30,702 <INVESTMENTS-CARRYING> 72,004 <INVESTMENTS-MARKET> 71,697 <LOANS> 188,410 <ALLOWANCE> 3,253 <TOTAL-ASSETS> 323,680 <DEPOSITS> 269,871 <SHORT-TERM> 11,373 <LIABILITIES-OTHER> 1,034 <LONG-TERM> 9,174 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,630 <OTHER-SE> 15,598 <TOTAL-LIABILITIES-AND-EQUITY> 323,680 <INTEREST-LOAN> 8,704 <INTEREST-INVEST> 2,539 <INTEREST-OTHER> 404 <INTEREST-TOTAL> 11,647 <INTEREST-DEPOSIT> 5,485 <INTEREST-EXPENSE> 5,835 <INTEREST-INCOME-NET> 5,813 <LOAN-LOSSES> 798 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,541 <INCOME-PRETAX> 2,601 <INCOME-PRE-EXTRAORDINARY> 2,601 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,029 <EPS-BASIC> .77 <EPS-DILUTED> .77 <YIELD-ACTUAL> 3.88 <LOANS-NON> 1,353 <LOANS-PAST> 787 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,888 <CHARGE-OFFS> 444 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 3,253 <ALLOWANCE-DOMESTIC> 2,773 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 480