<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> 5,531 <INT-BEARING-DEPOSITS> 1,587 <FED-FUNDS-SOLD> 6,672 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28,059 <INVESTMENTS-CARRYING> 4,393 <INVESTMENTS-MARKET> 4,398 <LOANS> 29,948 <ALLOWANCE> 594 <TOTAL-ASSETS> 74,893 <DEPOSITS> 65,061 <SHORT-TERM> 0 <LIABILITIES-OTHER> 186 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 600 <OTHER-SE> 8,908 <TOTAL-LIABILITIES-AND-EQUITY> 74,893 <INTEREST-LOAN> 1,199 <INTEREST-INVEST> 897 <INTEREST-OTHER> 271 <INTEREST-TOTAL> 2,367 <INTEREST-DEPOSIT> 739 <INTEREST-EXPENSE> 739 <INTEREST-INCOME-NET> 1,628 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 358 <INCOME-PRETAX> 790 <INCOME-PRE-EXTRAORDINARY> 790 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 570 <EPS-BASIC> 4.83 <EPS-DILUTED> 0 <YIELD-ACTUAL> 4.96 <LOANS-NON> 13 <LOANS-PAST> 72 <LOANS-TROUBLED> 8 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 596 <CHARGE-OFFS> 3 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 594 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 594