<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