<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