<ARTICLE> 9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE FORM
10-Q FOR THE QUARTER  ENDED JUNE 30,  1999 AND IS QUALIFIED  IN ITS  ENTIRETY BY
REFERENCE TO THE UNAUDITED FINANCIAL STATEMENTS CONTAINED THEREIN.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       1,678,349
<INT-BEARING-DEPOSITS>                       5,401,652
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,000,940
<INVESTMENTS-CARRYING>                     168,716,079
<INVESTMENTS-MARKET>                       166,495,236
<LOANS>                                    152,107,915
<ALLOWANCE>                                  1,400,366
<TOTAL-ASSETS>                             346,568,370
<DEPOSITS>                                 235,944,350
<SHORT-TERM>                                 9,600,000
<LIABILITIES-OTHER>                          1,772,910
<LONG-TERM>                                 51,409,699
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        41,972
<OTHER-SE>                                  47,799,439
<TOTAL-LIABILITIES-AND-EQUITY>             346,568,370
<INTEREST-LOAN>                              5,514,759
<INTEREST-INVEST>                            5,405,648
<INTEREST-OTHER>                               349,586
<INTEREST-TOTAL>                            11,269,993
<INTEREST-DEPOSIT>                           4,324,253
<INTEREST-EXPENSE>                           5,829,005
<INTEREST-INCOME-NET>                                0
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                              34,515
<EXPENSE-OTHER>                              3,453,368
<INCOME-PRETAX>                              2,318,062
<INCOME-PRE-EXTRAORDINARY>                   1,485,272
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,485,272
<EPS-BASIC>                                       0.37
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    3.33
<LOANS-NON>                                    846,601
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,716,790
<CHARGE-OFFS>                                  316,424
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,400,366
<ALLOWANCE-DOMESTIC>                         1,009,366
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        391,000