<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 5334 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5526 <INVESTMENTS-CARRYING> 276 <INVESTMENTS-MARKET> 276 <LOANS> 54863 <ALLOWANCE> 595 <TOTAL-ASSETS> 69189 <DEPOSITS> 55579 <SHORT-TERM> 0 <LIABILITIES-OTHER> 849 <LONG-TERM> 5500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4 <OTHER-SE> 7257 <TOTAL-LIABILITIES-AND-EQUITY> 69189 <INTEREST-LOAN> 2332 <INTEREST-INVEST> 126 <INTEREST-OTHER> 37 <INTEREST-TOTAL> 2495 <INTEREST-DEPOSIT> 1095 <INTEREST-EXPENSE> 1251 <INTEREST-INCOME-NET> 1244 <LOAN-LOSSES> 64 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1154 <INCOME-PRETAX> 551 <INCOME-PRE-EXTRAORDINARY> 551 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 336 <EPS-BASIC> 0.82 <EPS-DILUTED> 0.82 <YIELD-ACTUAL> 8.34 <LOANS-NON> 329 <LOANS-PAST> 69 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 620 <CHARGE-OFFS> 93 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 595 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 595