<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