<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10Q 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>                                           9,848
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    122,293
<INVESTMENTS-CARRYING>                          68,017
<INVESTMENTS-MARKET>                            66,469
<LOANS>                                        195,131
<ALLOWANCE>                                      2,999
<TOTAL-ASSETS>                                 405,189
<DEPOSITS>                                     318,294
<SHORT-TERM>                                    11,430
<LIABILITIES-OTHER>                              1,582
<LONG-TERM>                                     29,518
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        18,028
<OTHER-SE>                                      26,337
<TOTAL-LIABILITIES-AND-EQUITY>                 405,189
<INTEREST-LOAN>                                  8,314
<INTEREST-INVEST>                                5,383
<INTEREST-OTHER>                                   103
<INTEREST-TOTAL>                                13,800
<INTEREST-DEPOSIT>                               5,105
<INTEREST-EXPENSE>                               6,005
<INTEREST-INCOME-NET>                            7,795
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   9
<EXPENSE-OTHER>                                  5,205
<INCOME-PRETAX>                                  3,305
<INCOME-PRE-EXTRAORDINARY>                       2,449
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,449
<EPS-BASIC>                                        .68
<EPS-DILUTED>                                      .68
<YIELD-ACTUAL>                                    4.27
<LOANS-NON>                                      2,445
<LOANS-PAST>                                         3
<LOANS-TROUBLED>                                   496
<LOANS-PROBLEM>                                  1,494
<ALLOWANCE-OPEN>                                 3,055
<CHARGE-OFFS>                                      195
<RECOVERIES>                                        39
<ALLOWANCE-CLOSE>                                2,999
<ALLOWANCE-DOMESTIC>                             2,585
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            414