<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 1999 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           2,877
<INT-BEARING-DEPOSITS>                           1,605
<FED-FUNDS-SOLD>                                 6,271
<TRADING-ASSETS>                                 4,422
<INVESTMENTS-HELD-FOR-SALE>                     13,427
<INVESTMENTS-CARRYING>                             397
<INVESTMENTS-MARKET>                               395
<LOANS>                                         41,789
<ALLOWANCE>                                      (792)
<TOTAL-ASSETS>                                  77,564
<DEPOSITS>                                      49,036
<SHORT-TERM>                                    12,352
<LIABILITIES-OTHER>                              2,461
<LONG-TERM>                                      5,953<F1>
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           307
<OTHER-SE>                                       4,767
<TOTAL-LIABILITIES-AND-EQUITY>                  77,564
<INTEREST-LOAN>                                  2,061
<INTEREST-INVEST>                                  440
<INTEREST-OTHER>                                   318
<INTEREST-TOTAL>                                 2,819
<INTEREST-DEPOSIT>                                 932
<INTEREST-EXPENSE>                               1,506
<INTEREST-INCOME-NET>                            1,313
<LOAN-LOSSES>                                      165
<SECURITIES-GAINS>                                 (5)
<EXPENSE-OTHER>                                    463
<INCOME-PRETAX>                                    750
<INCOME-PRE-EXTRAORDINARY>                         473
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       473
<EPS-BASIC>                                       1.60
<EPS-DILUTED>                                     1.58
<YIELD-ACTUAL>                                    4.03
<LOANS-NON>                                        364
<LOANS-PAST>                                        37
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   754
<CHARGE-OFFS>                                    (206)
<RECOVERIES>                                        79
<ALLOWANCE-CLOSE>                                  792
<ALLOWANCE-DOMESTIC>                               447
<ALLOWANCE-FOREIGN>                                277
<ALLOWANCE-UNALLOCATED>                             68
<FN>
<F1>INCLUDES GUARANTEED PREFERRED BENEFICIAL INTERESTS IN THE CORPORATION'S JUNIOR
SUBORDINATED DEBENTURES.
</FN>