<ARTICLE> 9
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             APR-01-1999             JAN-01-1999
<PERIOD-END>                               JUN-30-1999             JUN-30-1999
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<INCOME-PRETAX>                                    571                   1,089
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<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
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<EPS-BASIC>                                     0.48                    0.89
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<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
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<CHARGE-OFFS>                                        7                      14
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<ALLOWANCE-FOREIGN>                                  0                       0
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