<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 10,913 <INT-BEARING-DEPOSITS> 6,680 <FED-FUNDS-SOLD> 11,390 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,120 <INVESTMENTS-CARRYING> 1,126 <INVESTMENTS-MARKET> 1,097 <LOANS> 288,990 <ALLOWANCE> 4,383 <TOTAL-ASSETS> 401,548 <DEPOSITS> 347,520 <SHORT-TERM> 4,827 <LIABILITIES-OTHER> 3,073 <LONG-TERM> 12,089 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,435 <OTHER-SE> 29,604 <TOTAL-LIABILITIES-AND-EQUITY> 401,548 <INTEREST-LOAN> 13,211 <INTEREST-INVEST> 2,013 <INTEREST-OTHER> 591 <INTEREST-TOTAL> 15,815 <INTEREST-DEPOSIT> 7,692 <INTEREST-EXPENSE> 8,147 <INTEREST-INCOME-NET> 7,668 <LOAN-LOSSES> 443 <SECURITIES-GAINS> (2) <EXPENSE-OTHER> 5,751 <INCOME-PRETAX> 3,035 <INCOME-PRE-EXTRAORDINARY> 3,035 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,109 <EPS-BASIC> 0.48 <EPS-DILUTED> 0.48 <YIELD-ACTUAL> 4.30 <LOANS-NON> 5,841 <LOANS-PAST> 594 <LOANS-TROUBLED> 324 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,726 <CHARGE-OFFS> 1,002 <RECOVERIES> 216 <ALLOWANCE-CLOSE> 4,383 <ALLOWANCE-DOMESTIC> 4,383 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0