<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S QUARTERLY REPORT ON FORM 10-Q FOR THE QUARTER ENDED JUNE 30, 1999 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           5,159
<INT-BEARING-DEPOSITS>                           2,971
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,375
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        113,414
<ALLOWANCE>                                      2,811
<TOTAL-ASSETS>                                 181,252
<DEPOSITS>                                     138,071
<SHORT-TERM>                                     2,134
<LIABILITIES-OTHER>                                210
<LONG-TERM>                                     23,552
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,361
<OTHER-SE>                                      15,924
<TOTAL-LIABILITIES-AND-EQUITY>                 181,252
<INTEREST-LOAN>                                  4,795
<INTEREST-INVEST>                                1,664
<INTEREST-OTHER>                                   381
<INTEREST-TOTAL>                                 6,840
<INTEREST-DEPOSIT>                               2,701
<INTEREST-EXPENSE>                                 771
<INTEREST-INCOME-NET>                            3,368
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  22
<EXPENSE-OTHER>                                  2,951
<INCOME-PRETAX>                                  2,346
<INCOME-PRE-EXTRAORDINARY>                         820
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,526
<EPS-BASIC>                                     1.12
<EPS-DILUTED>                                     1.11
<YIELD-ACTUAL>                                    7.72
<LOANS-NON>                                        132
<LOANS-PAST>                                        56
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    378
<ALLOWANCE-OPEN>                                 2,735
<CHARGE-OFFS>                                        6
<RECOVERIES>                                        82
<ALLOWANCE-CLOSE>                                2,811
<ALLOWANCE-DOMESTIC>                             2,811
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0