<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 6,071 <INT-BEARING-DEPOSITS> 602 <FED-FUNDS-SOLD> 9,850 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 70,129 <INVESTMENTS-CARRYING> 569 <INVESTMENTS-MARKET> 547 <LOANS> 124,264 <ALLOWANCE> 1,205 <TOTAL-ASSETS> 215,241 <DEPOSITS> 163,809 <SHORT-TERM> 0 <LIABILITIES-OTHER> 830 <LONG-TERM> 30,358 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 151 <OTHER-SE> 20,093 <TOTAL-LIABILITIES-AND-EQUITY> 215,241 <INTEREST-LOAN> 4,731 <INTEREST-INVEST> 2,120 <INTEREST-OTHER> 184 <INTEREST-TOTAL> 7,035 <INTEREST-DEPOSIT> 2,426 <INTEREST-EXPENSE> 3,250 <INTEREST-INCOME-NET> 3,785 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,623 <INCOME-PRETAX> 2,053 <INCOME-PRE-EXTRAORDINARY> 2,053 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,259 <EPS-BASIC> .83 <EPS-DILUTED> .83 <YIELD-ACTUAL> 6.99 <LOANS-NON> 794 <LOANS-PAST> 74 <LOANS-TROUBLED> 791 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,260 <CHARGE-OFFS> 125 <RECOVERIES> 10 <ALLOWANCE-CLOSE> 1,205 <ALLOWANCE-DOMESTIC> 1,205 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0