<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FPB
FINANCIAL CORP. AND SUBSIDIARY CONSOLIDATED STATEMENT OF FINANCIAL CONDITION.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-START>                                  JAN-01-1999
<PERIOD-END>                                    JUN-30-1999
<CASH>                                              287,384
<INT-BEARING-DEPOSITS>                            5,523,523
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                         989,991
<INVESTMENTS-CARRYING>                            3,450,510
<INVESTMENTS-MARKET>                              3,828,259
<LOANS>                                          39,191,122
<ALLOWANCE>                                         170,000
<TOTAL-ASSETS>                                   48,963,178
<DEPOSITS>                                       37,065,252
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                 258,057
<LONG-TERM>                                       5,200,000
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                              3,313
<OTHER-SE>                                        6,436,556
<TOTAL-LIABILITIES-AND-EQUITY>                   48,963,178
<INTEREST-LOAN>                                   1,384,881
<INTEREST-INVEST>                                   186,968
<INTEREST-OTHER>                                          0
<INTEREST-TOTAL>                                  1,571,849
<INTEREST-DEPOSIT>                                  827,501
<INTEREST-EXPENSE>                                  938,368
<INTEREST-INCOME-NET>                               633,481
<LOAN-LOSSES>                                             0
<SECURITIES-GAINS>                                   (1,982)
<EXPENSE-OTHER>                                     400,320
<INCOME-PRETAX>                                     254,406
<INCOME-PRE-EXTRAORDINARY>                          254,406
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                        162,706
<EPS-BASIC>                                             0
<EPS-DILUTED>                                             0
<YIELD-ACTUAL>                                         .026
<LOANS-NON>                                          69,966
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                    170,000
<CHARGE-OFFS>                                             0
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                   170,000
<ALLOWANCE-DOMESTIC>                                170,000
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0