<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