<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 8,143 <INT-BEARING-DEPOSITS> 335 <FED-FUNDS-SOLD> 8,373 <TRADING-ASSETS> 12,244 <INVESTMENTS-HELD-FOR-SALE> 45,659 <INVESTMENTS-CARRYING> 1,871 <INVESTMENTS-MARKET> 1,954 <LOANS> 137,774 <ALLOWANCE> (1,785) <TOTAL-ASSETS> 229,911 <DEPOSITS> 133,603 <SHORT-TERM> 39,262 <LIABILITIES-OTHER> 10,066 <LONG-TERM> 30,350 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,188 <OTHER-SE> 12,559 <TOTAL-LIABILITIES-AND-EQUITY> 229,911 <INTEREST-LOAN> 5,370 <INTEREST-INVEST> 1,332 <INTEREST-OTHER> 240 <INTEREST-TOTAL> 7,196 <INTEREST-DEPOSIT> 1,946 <INTEREST-EXPENSE> 3,571 <INTEREST-INCOME-NET> 3,625 <LOAN-LOSSES> 344 <SECURITIES-GAINS> 113 <EXPENSE-OTHER> 4,562 <INCOME-PRETAX> 2,375 <INCOME-PRE-EXTRAORDINARY> 2,375 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,579 <EPS-BASIC> 1.65 <EPS-DILUTED> 1.63 <YIELD-ACTUAL> 3.81 <LOANS-NON> 843 <LOANS-PAST> 333 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,826 <CHARGE-OFFS> 412 <RECOVERIES> 68 <ALLOWANCE-CLOSE> 1,785 <ALLOWANCE-DOMESTIC> 1,162 <ALLOWANCE-FOREIGN> 18 <ALLOWANCE-UNALLOCATED> 605