WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  



<ARTICLE>                                                9
<MULTIPLIER>                                          1,000

                                            
<PERIOD-TYPE>                                        6-Mos
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-END>                                   Jun-30-1999
<CASH>                                               9,896
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                       995
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         89,026
<Investments-Held-to-Maturity>                           0
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            335,306
<ALLOWANCE>                                         (3,903)
<TOTAL-ASSETS>                                     438,169
<DEPOSITS>                                         375,032
<SHORT-TERM>                                        31,000
<LIABILITIES-OTHER>                                  2,171
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             3,452
<OTHER-SE>                                          26,514
<TOTAL-LIABILITIES-AND-EQUITY>                     438,169
<INTEREST-LOAN>                                     11,854
<INTEREST-INVEST>                                    2,864
<INTEREST-OTHER>                                        81
<INTEREST-DEPOSIT>                                   7,281
<INTEREST-EXPENSE>                                   7,786
<INTEREST-INCOME-NET>                                7,013
<LOAN-LOSSES>                                          498
<Income-Other>                                         908
<SECURITIES-GAINS>                                      50
<EXPENSE-OTHER>                                      4,634
<INCOME-PRETAX>                                      2,839
<INCOME-PRE-EXTRAORDINARY>                           2,839
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,139
<EPS-BASIC>                                        $0.62
<EPS-DILUTED>                                        $0.58
<YIELD-ACTUAL>                                        .074
<LOANS-NON>                                             94
<LOANS-PAST>                                           710
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,458
<ALLOWANCE-OPEN>                                     3,410
<CHARGE-OFFS>                                            5
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    3,903
<ALLOWANCE-DOMESTIC>                                 3,903
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                601