<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> 8,958 <INT-BEARING-DEPOSITS> 3,016 <FED-FUNDS-SOLD> 20,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,453 <INVESTMENTS-CARRYING> 7,578 <INVESTMENTS-MARKET> 7,462 <LOANS> 365,857 <ALLOWANCE> 4,207 <TOTAL-ASSETS> 447,822 <DEPOSITS> 378,093 <SHORT-TERM> 3,400 <LIABILITIES-OTHER> 6,805 <LONG-TERM> 34,804 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,991 <OTHER-SE> 21,729 <TOTAL-LIABILITIES-AND-EQUITY> 447,822 <INTEREST-LOAN> 16,161 <INTEREST-INVEST> 805 <INTEREST-OTHER> 686 <INTEREST-TOTAL> 17,652 <INTEREST-DEPOSIT> 8,073 <INTEREST-EXPENSE> 871 <INTEREST-INCOME-NET> 8,708 <LOAN-LOSSES> 476 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,874 <INCOME-PRETAX> 2,820 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,820 <EPS-BASIC> 0.3 <EPS-DILUTED> 0.29 <YIELD-ACTUAL> 4.28 <LOANS-NON> 4,800 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,012 <CHARGE-OFFS> 330 <RECOVERIES> 49 <ALLOWANCE-CLOSE> 4,207 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0