<ARTICLE>                                                        9
<LEGEND>
          THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM THE
          QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
          REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                1,000

                                     
<PERIOD-TYPE>                             6-MOS
<FISCAL-YEAR-END>                         DEC-31-1999
<PERIOD-END>                              JUN-30-1999
<CASH>                                      2,809
<INT-BEARING-DEPOSITS>                          0
<FED-FUNDS-SOLD>                                0
<TRADING-ASSETS>                                0
<INVESTMENTS-HELD-FOR-SALE>                24,185
<INVESTMENTS-CARRYING>                     59,202
<INVESTMENTS-MARKET>                       61,408
<LOANS>                                    41,778
<ALLOWANCE>                                   224
<TOTAL-ASSETS>                            135,341
<DEPOSITS>                                 83,449
<SHORT-TERM>                                    0
<LIABILITIES-OTHER>                         1,587
<LONG-TERM>                                30,000
<PREFERRED-MANDATORY>                           0
<PREFERRED>                                     0
<COMMON>                                      155
<OTHER-SE>                                 19,981
<TOTAL-LIABILITIES-AND-EQUITY>            135,341
<INTEREST-LOAN>                             1,599
<INTEREST-INVEST>                           2,385
<INTEREST-OTHER>                              118
<INTEREST-TOTAL>                            4,102
<INTEREST-DEPOSIT>                          1,800
<INTEREST-EXPENSE>                          2,341
<INTEREST-INCOME-NET>                       1,761
<LOAN-LOSSES>                                  18
<SECURITIES-GAINS>                              0
<EXPENSE-OTHER>                              1498
<INCOME-PRETAX>                               666
<INCOME-PRE-EXTRAORDINARY>                    666
<EXTRAORDINARY>                                 0
<CHANGES>                                       0
<NET-INCOME>                                  406
<EPS-BASIC>                                0.29
<EPS-DILUTED>                                0.29
<YIELD-ACTUAL>                                  0
<LOANS-NON>                                    86
<LOANS-PAST>                                  263
<LOANS-TROUBLED>                              232
<LOANS-PROBLEM>                               105
<ALLOWANCE-OPEN>                              212
<CHARGE-OFFS>                                   0
<RECOVERIES>                                    0
<ALLOWANCE-CLOSE>                             224
<ALLOWANCE-DOMESTIC>                          224
<ALLOWANCE-FOREIGN>                             0
<ALLOWANCE-UNALLOCATED>                       224