<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 14,324,341 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 66,633,638 <INVESTMENTS-CARRYING> 19,664,200 <INVESTMENTS-MARKET> 19,635,935 <LOANS> 224,361,401 <ALLOWANCE> 3,867,496 <TOTAL-ASSETS> 343,517,878 <DEPOSITS> 305,098,092 <SHORT-TERM> 2,019,832 <LIABILITIES-OTHER> 1,842,740 <LONG-TERM> 4,427,688 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 34,695 <OTHER-SE> 30,094,831 <TOTAL-LIABILITIES-AND-EQUITY> 343,517,878 <INTEREST-LOAN> 9,771,498 <INTEREST-INVEST> 2,388,492 <INTEREST-OTHER> 182,902 <INTEREST-TOTAL> 12,342,892 <INTEREST-DEPOSIT> 5,188,905 <INTEREST-EXPENSE> 5,377,578 <INTEREST-INCOME-NET> 6,965,314 <LOAN-LOSSES> 300,000 <SECURITIES-GAINS> 492,189 <EXPENSE-OTHER> 4,886,785 <INCOME-PRETAX> 2,909,014 <INCOME-PRE-EXTRAORDINARY> 2,909,014 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,794,715 <EPS-BASIC> .52 <EPS-DILUTED> .52 <YIELD-ACTUAL> 4.20 <LOANS-NON> 2,646,914 <LOANS-PAST> 560,192 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,569,282 <CHARGE-OFFS> 42,578 <RECOVERIES> 40,792 <ALLOWANCE-CLOSE> 3,867,496 <ALLOWANCE-DOMESTIC> 3,867,496 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0