<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE CONSOLIDATED
BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           2,276
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,233
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,030
<INVESTMENTS-CARRYING>                           3,822
<INVESTMENTS-MARKET>                             3,804
<LOANS>                                         44,220
<ALLOWANCE>                                        385
<TOTAL-ASSETS>                                  66,541
<DEPOSITS>                                      61,121
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                246
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,460
<OTHER-SE>                                       3,508
<TOTAL-LIABILITIES-AND-EQUITY>                  66,541
<INTEREST-LOAN>                                  1,877
<INTEREST-INVEST>                                  446
<INTEREST-OTHER>                                    99
<INTEREST-TOTAL>                                 2,422
<INTEREST-DEPOSIT>                               1,088
<INTEREST-EXPENSE>                               1,088
<INTEREST-INCOME-NET>                            1,334
<LOAN-LOSSES>                                      152
<SECURITIES-GAINS>                                  13
<EXPENSE-OTHER>                                  1,009
<INCOME-PRETAX>                                    330
<INCOME-PRE-EXTRAORDINARY>                         233
<EXTRAORDINARY>                                      0
<CHANGES>                                           24
<NET-INCOME>                                       209
<EPS-BASIC>                                       1.54
<EPS-DILUTED>                                     1.54
<YIELD-ACTUAL>                                    4.51
<LOANS-NON>                                        554
<LOANS-PAST>                                       385
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     58
<ALLOWANCE-OPEN>                                   360
<CHARGE-OFFS>                                      197
<RECOVERIES>                                        70
<ALLOWANCE-CLOSE>                                  385
<ALLOWANCE-DOMESTIC>                               385
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             55