<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