<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 <CASH> 0 9,271 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 0 9,165 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 34,411 <INVESTMENTS-CARRYING> 0 2,698 <INVESTMENTS-MARKET> 0 2,698 <LOANS> 0 88,324 <ALLOWANCE> 0 1,785 <TOTAL-ASSETS> 0 149,459 <DEPOSITS> 0 138,510 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 0 952 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 0 7,223 <OTHER-SE> 0 3,110 <TOTAL-LIABILITIES-AND-EQUITY> 0 149,459 <INTEREST-LOAN> 1,887 3,695 <INTEREST-INVEST> 493 976 <INTEREST-OTHER> 151 288 <INTEREST-TOTAL> 2,531 4,959 <INTEREST-DEPOSIT> 805 1,587 <INTEREST-EXPENSE> 805 1,587 <INTEREST-INCOME-NET> 1,726 3,372 <LOAN-LOSSES> 0 0 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 1,456 2,887 <INCOME-PRETAX> 571 1,089 <INCOME-PRE-EXTRAORDINARY> 571 1,089 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 383 701 <EPS-BASIC> 0.48 0.89 <EPS-DILUTED> 0.46 0.84 <YIELD-ACTUAL> 5.12 5.08 <LOANS-NON> 0 237 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1,710 1,671 <CHARGE-OFFS> 7 14 <RECOVERIES> 82 128 <ALLOWANCE-CLOSE> 1,785 1,785 <ALLOWANCE-DOMESTIC> 1,785 1,785 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0