<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the 10-Q for June 30, 1999 and is qualified in its entirety by reference to such financial statements. </LEGEND> <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 11,666 <INT-BEARING-DEPOSITS> 2,164 <FED-FUNDS-SOLD> 4,015 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 59,666 <INVESTMENTS-CARRYING> 6,699 <INVESTMENTS-MARKET> 6,692 <LOANS> 250,342 <ALLOWANCE> 2,812 <TOTAL-ASSETS> 343,837 <DEPOSITS> 273,349 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,008 <LONG-TERM> 35,931 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40 <OTHER-SE> 29,208 <TOTAL-LIABILITIES-AND-EQUITY> 343,837 <INTEREST-LOAN> 9,628 <INTEREST-INVEST> 2,240 <INTEREST-OTHER> 168 <INTEREST-TOTAL> 12,036 <INTEREST-DEPOSIT> 5,013 <INTEREST-EXPENSE> 6,166 <INTEREST-INCOME-NET> 5,870 <LOAN-LOSSES> 332 <SECURITIES-GAINS> 6 <EXPENSE-OTHER> 3,904 <INCOME-PRETAX> 3,035 <INCOME-PRE-EXTRAORDINARY> 3,035 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,924 <EPS-BASIC> 0.49 <EPS-DILUTED> 0.49 <YIELD-ACTUAL> 3.84 <LOANS-NON> 4,734 <LOANS-PAST> 90 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,897 <ALLOWANCE-OPEN> 2,808 <CHARGE-OFFS> 372 <RECOVERIES> 44 <ALLOWANCE-CLOSE> 2,812 <ALLOWANCE-DOMESTIC> 2,812 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0