WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <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> 10,262 <INT-BEARING-DEPOSITS> 8,675 <FED-FUNDS-SOLD> 36,350 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,812 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 121,469 <ALLOWANCE> 1,231 <TOTAL-ASSETS> 198,149 <DEPOSITS> 154,003 <SHORT-TERM> 3,518 <LIABILITIES-OTHER> 0 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 26,864 <OTHER-SE> (967) <TOTAL-LIABILITIES-AND-EQUITY> 198,149 <INTEREST-LOAN> 5,369 <INTEREST-INVEST> 421 <INTEREST-OTHER> 990 <INTEREST-TOTAL> 6,780 <INTEREST-DEPOSIT> 2,079 <INTEREST-EXPENSE> 2,079 <INTEREST-INCOME-NET> 4,701 <LOAN-LOSSES> 535 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,987 <INCOME-PRETAX> (555) <INCOME-PRE-EXTRAORDINARY> (401) <EXTRAORDINARY> 0 <CHANGES> (386) <NET-INCOME> (787 <EPS-BASIC> (0.10) <EPS-DILUTED> (0.10) <YIELD-ACTUAL> 6.23 <LOANS-NON> 25 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 696 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,231 <ALLOWANCE-DOMESTIC> 1,231 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 575