<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 22,903,169 <INT-BEARING-DEPOSITS> 12,119 <FED-FUNDS-SOLD> 24,700,000 <TRADING-ASSETS> 707,546 <INVESTMENTS-HELD-FOR-SALE> 14,914,137 <INVESTMENTS-CARRYING> 587,787 <INVESTMENTS-MARKET> 598,061 <LOANS> 338,633,956 <ALLOWANCE> 3,440,000 <TOTAL-ASSETS> 410,450,733 <DEPOSITS> 369,334,273 <SHORT-TERM> 2,250,000 <LIABILITIES-OTHER> 1,136,152 <LONG-TERM> 6,940,649 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,802 <OTHER-SE> 30,765,857 <TOTAL-LIABILITIES-AND-EQUITY> 410,450,733 <INTEREST-LOAN> 13,338,479 <INTEREST-INVEST> 575,135 <INTEREST-OTHER> 463,535 <INTEREST-TOTAL> 14,377,149 <INTEREST-DEPOSIT> 6,247,455 <INTEREST-EXPENSE> 6,409,661 <INTEREST-INCOME-NET> 7,967,488 <LOAN-LOSSES> 237,545 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,287,684 <INCOME-PRETAX> 2,420,973 <INCOME-PRE-EXTRAORDINARY> 1,550,546 <EXTRAORDINARY> 0 <CHANGES> 121,491 <NET-INCOME> 1,672,037 <EPS-BASIC> 0.70 <EPS-DILUTED> 0.66 <YIELD-ACTUAL> 8.26 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 976,750 <ALLOWANCE-OPEN> 3,200,000 <CHARGE-OFFS> 0 <RECOVERIES> 2,454 <ALLOWANCE-CLOSE> 3,439,999 <ALLOWANCE-DOMESTIC> 3,269,999 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 170,000