<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 18,290 <INT-BEARING-DEPOSITS> 28,242 <FED-FUNDS-SOLD> 847 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 56,122 <INVESTMENTS-CARRYING> 16,978 <INVESTMENTS-MARKET> 17,124 <LOANS> 387,755 <ALLOWANCE> 5,822 <TOTAL-ASSETS> 526,287 <DEPOSITS> 451,356 <SHORT-TERM> 28,000 <LIABILITIES-OTHER> 5,203 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 18,813 <OTHER-SE> 22,915 <TOTAL-LIABILITIES-AND-EQUITY> 526,287 <INTEREST-LOAN> 16,202 <INTEREST-INVEST> 2,086 <INTEREST-OTHER> 364 <INTEREST-TOTAL> 18,652 <INTEREST-DEPOSIT> 7,365 <INTEREST-EXPENSE> 7,463 <INTEREST-INCOME-NET> 11,189 <LOAN-LOSSES> 460 <SECURITIES-GAINS> 20 <EXPENSE-OTHER> 8,582 <INCOME-PRETAX> 4,765 <INCOME-PRE-EXTRAORDINARY> 4,765 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,104 <EPS-BASIC> 1.03 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 5.00 <LOANS-NON> 621 <LOANS-PAST> 0 <LOANS-TROUBLED> 254 <LOANS-PROBLEM> 1,400 <ALLOWANCE-OPEN> 5,504 <CHARGE-OFFS> 196 <RECOVERIES> 54 <ALLOWANCE-CLOSE> 5,822 <ALLOWANCE-DOMESTIC> 4,368 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,454