<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> 11,501 <INT-BEARING-DEPOSITS> 218 <FED-FUNDS-SOLD> 16,611 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 130,885 <INVESTMENTS-CARRYING> 1,500 <INVESTMENTS-MARKET> 1,499 <LOANS> 247,061 <ALLOWANCE> 2,269 <TOTAL-ASSETS> 422,283 <DEPOSITS> 363,779 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,853 <LONG-TERM> 12,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,780 <OTHER-SE> 33,839 <TOTAL-LIABILITIES-AND-EQUITY> 422,283 <INTEREST-LOAN> 9,625 <INTEREST-INVEST> 4,233 <INTEREST-OTHER> 252 <INTEREST-TOTAL> 14,110 <INTEREST-DEPOSIT> 6,010 <INTEREST-EXPENSE> 408 <INTEREST-INCOME-NET> 7,692 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 4,357 <INCOME-PRETAX> 4,647 <INCOME-PRE-EXTRAORDINARY> 4,647 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,158 <EPS-BASIC> 1.04 <EPS-DILUTED> 1.04 <YIELD-ACTUAL> 0 <LOANS-NON> 12 <LOANS-PAST> 1,675 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,228 <CHARGE-OFFS> 53 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 2,269 <ALLOWANCE-DOMESTIC> 2,269 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0