<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 6,418 <INT-BEARING-DEPOSITS> 5,626 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29,917 <INVESTMENTS-CARRYING> 19,336 <INVESTMENTS-MARKET> 18,877 <LOANS> 193,103 <ALLOWANCE> 1,830 <TOTAL-ASSETS> 269,757 <DEPOSITS> 202,209 <SHORT-TERM> 48,000 <LIABILITIES-OTHER> 3,963 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 252 <OTHER-SE> 15,333 <TOTAL-LIABILITIES-AND-EQUITY> 269,757 <INTEREST-LOAN> 7229 <INTEREST-INVEST> 1532 <INTEREST-OTHER> 72 <INTEREST-TOTAL> 8,833 <INTEREST-DEPOSIT> 3,221 <INTEREST-EXPENSE> 4,669 <INTEREST-INCOME-NET> 4,164 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 65 <EXPENSE-OTHER> 3,700 <INCOME-PRETAX> 1,931 <INCOME-PRE-EXTRAORDINARY> 1,931 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,352 <EPS-BASIC> .56 <EPS-DILUTED> .53 <YIELD-ACTUAL> 3.23 <LOANS-NON> 249 <LOANS-PAST> 0 <LOANS-TROUBLED> 40 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,742 <CHARGE-OFFS> 27 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 1,830 <ALLOWANCE-DOMESTIC> 1,830 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0