<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 15,448,000 <INT-BEARING-DEPOSITS> 5,091,000 <FED-FUNDS-SOLD> 23,420,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 84,457,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 102,853,000 <ALLOWANCE> 2,326,000 <TOTAL-ASSETS> 232,990,000 <DEPOSITS> 208,191,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,124,000 <LONG-TERM> 1,387,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 14,909,000 <OTHER-SE> 6,189,000 <TOTAL-LIABILITIES-AND-EQUITY> 232,990,000 <INTEREST-LOAN> 4,707,000 <INTEREST-INVEST> 1,840,000 <INTEREST-OTHER> 685,000 <INTEREST-TOTAL> 7,232,000 <INTEREST-DEPOSIT> 2,201,000 <INTEREST-EXPENSE> 2,209,000 <INTEREST-INCOME-NET> 5,023,000 <LOAN-LOSSES> (195,000) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,751,000 <INCOME-PRETAX> 1,260,000 <INCOME-PRE-EXTRAORDINARY> 742,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 742,000 <EPS-BASIC> 0.26 <EPS-DILUTED> 0.25 <YIELD-ACTUAL> .046 <LOANS-NON> 348,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,500,000 <CHARGE-OFFS> 0 <RECOVERIES> 21,000 <ALLOWANCE-CLOSE> 2,326,000 <ALLOWANCE-DOMESTIC> 2,326,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0