<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS DATED JUNE 30, 1999 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             APR-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           8,241
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     38,280
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        103,418
<ALLOWANCE>                                      1,795
<TOTAL-ASSETS>                                 165,997
<DEPOSITS>                                     150,963
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                917
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,816
<OTHER-SE>                                       6,301
<TOTAL-LIABILITIES-AND-EQUITY>                 165,997
<INTEREST-LOAN>                                  2,317
<INTEREST-INVEST>                                  607
<INTEREST-OTHER>                                    52
<INTEREST-TOTAL>                                 2,976
<INTEREST-DEPOSIT>                                 911
<INTEREST-EXPENSE>                                 911
<INTEREST-INCOME-NET>                            2,065
<LOAN-LOSSES>                                      101
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,188
<INCOME-PRETAX>                                    256
<INCOME-PRE-EXTRAORDINARY>                         256
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       178
<EPS-BASIC>                                        .13
<EPS-DILUTED>                                      .12
<YIELD-ACTUAL>                                    5.83
<LOANS-NON>                                        462
<LOANS-PAST>                                       164
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,564
<CHARGE-OFFS>                                        8
<RECOVERIES>                                        38
<ALLOWANCE-CLOSE>                                1,795
<ALLOWANCE-DOMESTIC>                             1,795
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,499