<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 12,310 <INT-BEARING-DEPOSITS> 1,506 <FED-FUNDS-SOLD> 866 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57,635 <INVESTMENTS-CARRYING> 12,560 <INVESTMENTS-MARKET> 12,370 <LOANS> 340,885 <ALLOWANCE> 2,721 <TOTAL-ASSETS> 434,423 <DEPOSITS> 370,084 <SHORT-TERM> 25,057 <LIABILITIES-OTHER> 1,316 <LONG-TERM> 7,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 30,966 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 434,423 <INTEREST-LOAN> 12,533 <INTEREST-INVEST> 2,390 <INTEREST-OTHER> 73 <INTEREST-TOTAL> 14,996 <INTEREST-DEPOSIT> 6,310 <INTEREST-EXPENSE> 6,806 <INTEREST-INCOME-NET> 8,190 <LOAN-LOSSES> 77 <SECURITIES-GAINS> 92 <EXPENSE-OTHER> 5,854 <INCOME-PRETAX> 3,369 <INCOME-PRE-EXTRAORDINARY> 1,277 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,092 <EPS-BASIC> .50 <EPS-DILUTED> .48 <YIELD-ACTUAL> 4.15 <LOANS-NON> 595 <LOANS-PAST> 245 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 840 <ALLOWANCE-OPEN> 2,665 <CHARGE-OFFS> 127 <RECOVERIES> 106 <ALLOWANCE-CLOSE> 2,721 <ALLOWANCE-DOMESTIC> 2,721 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0