<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 8,829 <INT-BEARING-DEPOSITS> 669 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,626 <INVESTMENTS-CARRYING> 14,838 <INVESTMENTS-MARKET> 14,697 <LOANS> 167,263 <ALLOWANCE> 2,082 <TOTAL-ASSETS> 242,683 <DEPOSITS> 197,393 <SHORT-TERM> 18,415 <LIABILITIES-OTHER> 1,672 <LONG-TERM> 4,230 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 19,168 <TOTAL-LIABILITIES-AND-EQUITY> 242,683 <INTEREST-LOAN> 6,659 <INTEREST-INVEST> 1,743 <INTEREST-OTHER> 58 <INTEREST-TOTAL> 8,460 <INTEREST-DEPOSIT> 3,749 <INTEREST-EXPENSE> 4,143 <INTEREST-INCOME-NET> 4,317 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,891 <INCOME-PRETAX> 1,999 <INCOME-PRE-EXTRAORDINARY> 1,999 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,357 <EPS-BASIC> 1.54 <EPS-DILUTED> 1.54 <YIELD-ACTUAL> 4.26 <LOANS-NON> 1,173 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,123 <ALLOWANCE-OPEN> 1,947 <CHARGE-OFFS> 84 <RECOVERIES> 69 <ALLOWANCE-CLOSE> 2,082 <ALLOWANCE-DOMESTIC> 2,082 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0