<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                            
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                           1,063
<INT-BEARING-DEPOSITS>                          12,782
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,813
<INVESTMENTS-CARRYING>                          14,376
<INVESTMENTS-MARKET>                            14,115
<LOANS>                                        156,800
<ALLOWANCE>                                        867
<TOTAL-ASSETS>                                 192,010
<DEPOSITS>                                     159,318
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                              2,398
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           219
<OTHER-SE>                                      25,075
<TOTAL-LIABILITIES-AND-EQUITY>                 192,010
<INTEREST-LOAN>                                  6,204
<INTEREST-INVEST>                                  794
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,998
<INTEREST-DEPOSIT>                               3,649
<INTEREST-EXPENSE>                                 134
<INTEREST-INCOME-NET>                            3,215
<LOAN-LOSSES>                                       27
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,453
<INCOME-PRETAX>                                  1,693
<INCOME-PRE-EXTRAORDINARY>                       1,693
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,014
<EPS-BASIC>                                     0.66
<EPS-DILUTED>                                     0.64
<YIELD-ACTUAL>                                    3.42
<LOANS-NON>                                        141
<LOANS-PAST>                                       126
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    363
<ALLOWANCE-OPEN>                                   853
<CHARGE-OFFS>                                       26
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                  867
<ALLOWANCE-DOMESTIC>                               867
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0