<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       3,357,240
<INT-BEARING-DEPOSITS>                         449,577
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 67,156,732
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    130,981,254
<ALLOWANCE>                                  1,323,981
<TOTAL-ASSETS>                             215,431,121
<DEPOSITS>                                 192,843,136
<SHORT-TERM>                                 3,390,000
<LIABILITIES-OTHER>                          1,927,111
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        17,921
<OTHER-SE>                                  17,252,953
<TOTAL-LIABILITIES-AND-EQUITY>             215,431,121
<INTEREST-LOAN>                              5,776,782
<INTEREST-INVEST>                            1,773,618
<INTEREST-OTHER>                               276,520
<INTEREST-TOTAL>                             7,826,920
<INTEREST-DEPOSIT>                           4,451,557
<INTEREST-EXPENSE>                              95,961
<INTEREST-INCOME-NET>                        4,547,518
<LOAN-LOSSES>                                  247,000
<SECURITIES-GAINS>                                 (93)
<EXPENSE-OTHER>                              2,536,896
<INCOME-PRETAX>                              1,276,856
<INCOME-PRE-EXTRAORDINARY>                     796,929
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   796,929
<EPS-BASIC>                                       0.45
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    7.65
<LOANS-NON>                                    933,658
<LOANS-PAST>                                 2,850,156
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,200,586
<CHARGE-OFFS>                                  162,959
<RECOVERIES>                                    39,354
<ALLOWANCE-CLOSE>                            1,323,981
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0