<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>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                          1,007
<INT-BEARING-DEPOSITS>                          2,601
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     4,836
<INVESTMENTS-CARRYING>                          1,104
<INVESTMENTS-MARKET>                            1,029
<LOANS>                                        41,683
<ALLOWANCE>                                       343
<TOTAL-ASSETS>                                 52,086
<DEPOSITS>                                     39,815
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               741
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           77
<OTHER-SE>                                     11,453
<TOTAL-LIABILITIES-AND-EQUITY>                 52,086
<INTEREST-LOAN>                                 1,643
<INTEREST-INVEST>                                 190
<INTEREST-OTHER>                                   76
<INTEREST-TOTAL>                                1,909
<INTEREST-DEPOSIT>                                918
<INTEREST-EXPENSE>                                918
<INTEREST-INCOME-NET>                             991
<LOAN-LOSSES>                                      18
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   606
<INCOME-PRETAX>                                   457
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      285
<EPS-BASIC>                                     .44
<EPS-DILUTED>                                     .44
<YIELD-ACTUAL>                                   3.89
<LOANS-NON>                                       385
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  326
<CHARGE-OFFS>                                       1
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 343
<ALLOWANCE-DOMESTIC>                              343
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0