<ARTICLE>           9
<MULTIPLIER>        1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          19,316
<INT-BEARING-DEPOSITS>                          30,000
<FED-FUNDS-SOLD>                                25,860
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     43,481
<INVESTMENTS-CARRYING>                          41,294
<INVESTMENTS-MARKET>                            41,340
<LOANS>                                        277,470
<ALLOWANCE>                                      4,471
<TOTAL-ASSETS>                                 451,587
<DEPOSITS>                                     195,164
<SHORT-TERM>                                       227
<LIABILITIES-OTHER>                            200,494
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      53,702
<TOTAL-LIABILITIES-AND-EQUITY>                 451,587
<INTEREST-LOAN>                                  9,272
<INTEREST-INVEST>                                2,372
<INTEREST-OTHER>                                 3,034
<INTEREST-TOTAL>                                14,678
<INTEREST-DEPOSIT>                               2,115
<INTEREST-EXPENSE>                               2,119
<INTEREST-INCOME-NET>                           12,559
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 18,702
<INCOME-PRETAX>                                  4,678
<INCOME-PRE-EXTRAORDINARY>                       4,678
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,006
<EPS-BASIC>                                      .78
<EPS-DILUTED>                                      .77
<YIELD-ACTUAL>                                    5.72
<LOANS-NON>                                        378
<LOANS-PAST>                                       143
<LOANS-TROUBLED>                                   106
<LOANS-PROBLEM>                                    561
<ALLOWANCE-OPEN>                                 4,428
<CHARGE-OFFS>                                       58
<RECOVERIES>                                       101
<ALLOWANCE-CLOSE>                                4,471
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>TO BE DOCUMENTED IN THE DEC-31-1999 STATEMENTS.