<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1999 SECOND
QUARTER 10-Q.
</LEGEND>
<MULTIPLIER> 1000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           2,332
<INT-BEARING-DEPOSITS>                              40
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,640
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         87,349
<ALLOWANCE>                                      1,028
<TOTAL-ASSETS>                                 103,243
<DEPOSITS>                                      70,167
<SHORT-TERM>                                     1,050
<LIABILITIES-OTHER>                              1,575
<LONG-TERM>                                     19,005
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,983
<OTHER-SE>                                       8,463
<TOTAL-LIABILITIES-AND-EQUITY>                 103,243
<INTEREST-LOAN>                                  3,338
<INTEREST-INVEST>                                  358
<INTEREST-OTHER>                                    15
<INTEREST-TOTAL>                                 3,711
<INTEREST-DEPOSIT>                               1,174
<INTEREST-EXPENSE>                                 525
<INTEREST-INCOME-NET>                            2,012
<LOAN-LOSSES>                                       18
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,272
<INCOME-PRETAX>                                  1,011
<INCOME-PRE-EXTRAORDINARY>                       1,011
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       709
<EPS-BASIC>                                       1.19
<EPS-DILUTED>                                     1.18
<YIELD-ACTUAL>                                    4.30
<LOANS-NON>                                         34
<LOANS-PAST>                                         2
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,011
<CHARGE-OFFS>                                       24
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                1,026
<ALLOWANCE-DOMESTIC>                               576
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            450