<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 2,944,509 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,039,916 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 27,732,369 <INVESTMENTS-CARRYING> 1,104,254 <INVESTMENTS-MARKET> 1,069,757 <LOANS> 63,313,811 <ALLOWANCE> 864,726 <TOTAL-ASSETS> 102,066,944 <DEPOSITS> 92,643,212 <SHORT-TERM> 1,692,073 <LIABILITIES-OTHER> 879,214 <LONG-TERM> 2,790,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,390 <OTHER-SE> 4,057,055 <TOTAL-LIABILITIES-AND-EQUITY> 102,066,944 <INTEREST-LOAN> 2,907,396 <INTEREST-INVEST> 842,935 <INTEREST-OTHER> 76,378 <INTEREST-TOTAL> 3,826,709 <INTEREST-DEPOSIT> 1,948,505 <INTEREST-EXPENSE> 2,092,388 <INTEREST-INCOME-NET> 1,734,321 <LOAN-LOSSES> 120,000 <SECURITIES-GAINS> 40,747 <EXPENSE-OTHER> 1,319,476 <INCOME-PRETAX> 498,757 <INCOME-PRE-EXTRAORDINARY> 333,523 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 333,523 <EPS-BASIC> 0.62 <EPS-DILUTED> 0.62 <YIELD-ACTUAL> 8.20 <LOANS-NON> 20,000 <LOANS-PAST> 337,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 810,563 <CHARGE-OFFS> 67,347 <RECOVERIES> 1,510 <ALLOWANCE-CLOSE> 864,726 <ALLOWANCE-DOMESTIC> 864,726 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0