<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTIANS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON
PAGES AND 3 OF THE COMPANY'S FORM 10-1 FOR THE YEAR TO DATE
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           1,986
<INT-BEARING-DEPOSITS>                           1,565
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           6,520
<INVESTMENTS-MARKET>                             6,622
<LOANS>                                        187,724
<ALLOWANCE>                                      1,272
<TOTAL-ASSETS>                                 205,866
<DEPOSITS>                                     140,972
<SHORT-TERM>                                    37,500
<LIABILITIES-OTHER>                             13,789
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            49
<OTHER-SE>                                      13,555
<TOTAL-LIABILITIES-AND-EQUITY>                 205,866
<INTEREST-LOAN>                                  6,180
<INTEREST-INVEST>                                  130
<INTEREST-OTHER>                                   144
<INTEREST-TOTAL>                                 6,454
<INTEREST-DEPOSIT>                               3,282
<INTEREST-EXPENSE>                                 759
<INTEREST-INCOME-NET>                            2,413
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,286
<INCOME-PRETAX>                                    567
<INCOME-PRE-EXTRAORDINARY>                         567
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       412
<EPS-BASIC>                                       0.08
<EPS-DILUTED>                                     0.08
<YIELD-ACTUAL>                                    7.44
<LOANS-NON>                                      1,373
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,339
<ALLOWANCE-OPEN>                                 1,136
<CHARGE-OFFS>                                       22
<RECOVERIES>                                         8
<ALLOWANCE-CLOSE>                                1,272
<ALLOWANCE-DOMESTIC>                             1,272
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0