<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1999, CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FOR THE
SIX MONTHS ENDED JUNE 30, 1999, AND IS QUALIFIED IN ITS ENTIRELY BY REFERENCE TO
SUCH STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                         279,790
<INT-BEARING-DEPOSITS>                       2,063,695
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  7,066,812
<INVESTMENTS-CARRYING>                       8,994,541
<INVESTMENTS-MARKET>                         8,919,368
<LOANS>                                     17,163,082
<ALLOWANCE>                                    317,846
<TOTAL-ASSETS>                              37,086,135
<DEPOSITS>                                  30,178,675
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,316,151
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,687
<OTHER-SE>                                     226,603
<TOTAL-LIABILITIES-AND-EQUITY>              37,086,135
<INTEREST-LOAN>                                370,500
<INTEREST-INVEST>                              234,520
<INTEREST-OTHER>                                19,180
<INTEREST-TOTAL>                               624,200
<INTEREST-DEPOSIT>                             304,673
<INTEREST-EXPENSE>                               6,646
<INTEREST-INCOME-NET>                          311,319
<LOAN-LOSSES>                                    6,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                316,041
<INCOME-PRETAX>                                108,115
<INCOME-PRE-EXTRAORDINARY>                     108,115
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    71,133
<EPS-BASIC>                                      .30
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                   7.645
<LOANS-NON>                                    186,586
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                109,632
<ALLOWANCE-OPEN>                               310,954
<CHARGE-OFFS>                                    6,892
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              317,846
<ALLOWANCE-DOMESTIC>                            21,085
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        296,761