<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          41,876
<INT-BEARING-DEPOSITS>                           9,881
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   681
<INVESTMENTS-HELD-FOR-SALE>                     40,525
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        227,596
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                 363,048
<DEPOSITS>                                     285,115
<SHORT-TERM>                                    11,385
<LIABILITIES-OTHER>                             12,832
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          3
<COMMON>                                            20
<OTHER-SE>                                      19,294
<TOTAL-LIABILITIES-AND-EQUITY>                 363,048
<INTEREST-LOAN>                                  9,500
<INTEREST-INVEST>                                  642
<INTEREST-OTHER>                                   581
<INTEREST-TOTAL>                                10,723
<INTEREST-DEPOSIT>                               5,673
<INTEREST-EXPENSE>                               7,254
<INTEREST-INCOME-NET>                            3,469
<LOAN-LOSSES>                                      545
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,742
<INCOME-PRETAX>                                   (36)
<INCOME-PRE-EXTRAORDINARY>                       1,670
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,670
<EPS-BASIC>                                        .84
<EPS-DILUTED>                                      .78
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                      8,780
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   940
<CHARGE-OFFS>                                      109
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,376<F1>
<ALLOWANCE-DOMESTIC>                             1,376<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>
THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q.
</FN>