<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 12,263 <INT-BEARING-DEPOSITS> 34,505 <FED-FUNDS-SOLD> 4,100 <TRADING-ASSETS> 26,396 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 1,006 <INVESTMENTS-MARKET> 1,008 <LOANS> 370,995 <ALLOWANCE> 3,393 <TOTAL-ASSETS> 531,538 <DEPOSITS> 433,196 <SHORT-TERM> 26,432 <LIABILITIES-OTHER> 15,949 <LONG-TERM> 1,500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 66 <OTHER-SE> 54,395 <TOTAL-LIABILITIES-AND-EQUITY> 531,538 <INTEREST-LOAN> 19,754 <INTEREST-INVEST> 46 <INTEREST-OTHER> 4,225 <INTEREST-TOTAL> 24,025 <INTEREST-DEPOSIT> 10,597 <INTEREST-EXPENSE> 12,348 <INTEREST-INCOME-NET> 11,677 <LOAN-LOSSES> 2,208 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 11,832 <INCOME-PRETAX> 4,403 <INCOME-PRE-EXTRAORDINARY> 4,403 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,443 <EPS-BASIC> .38 <EPS-DILUTED> .37 <YIELD-ACTUAL> 4.65 <LOANS-NON> 8,405 <LOANS-PAST> 4 <LOANS-TROUBLED> 361 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,777 <CHARGE-OFFS> 1,688 <RECOVERIES> 96 <ALLOWANCE-CLOSE> 3,393 <ALLOWANCE-DOMESTIC> 3,393 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0