<ARTICLE>                                            9

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

<MULTIPLIER>                                   1000

                                            
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-END>                                   Jun-30-1999
<CASH>                                            7,111
<INT-BEARING-DEPOSITS>                              216
<FED-FUNDS-SOLD>                                  2,350
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      74,623
<INVESTMENTS-CARRYING>                            7,648
<INVESTMENTS-MARKET>                              7,913
<LOANS>                                         195,335
<ALLOWANCE>                                       3,326
<TOTAL-ASSETS>                                  296,293
<DEPOSITS>                                      233,201
<SHORT-TERM>                                      7,913
<LIABILITIES-OTHER>                               6,562
<LONG-TERM>                                      22,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            180
<OTHER-SE>                                       26,437
<TOTAL-LIABILITIES-AND-EQUITY>                  296,293
<INTEREST-LOAN>                                   7,886
<INTEREST-INVEST>                                 2,212
<INTEREST-OTHER>                                     47
<INTEREST-TOTAL>                                 10,145
<INTEREST-DEPOSIT>                                3,895
<INTEREST-EXPENSE>                                4,306
<INTEREST-INCOME-NET>                             5,839
<LOAN-LOSSES>                                       230
<SECURITIES-GAINS>                                   58
<EXPENSE-OTHER>                                   4,115
<INCOME-PRETAX>                                   2,383
<INCOME-PRE-EXTRAORDINARY>                        2,383
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,662
<EPS-BASIC>                                       .98
<EPS-DILUTED>                                       .98
<YIELD-ACTUAL>                                     4.46
<LOANS-NON>                                         439
<LOANS-PAST>                                         18
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  3,333
<CHARGE-OFFS>                                       351
<RECOVERIES>                                        114
<ALLOWANCE-CLOSE>                                 3,326
<ALLOWANCE-DOMESTIC>                              3,326
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,173