<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-2000 <CASH> 7,249 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 11,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,135 <INVESTMENTS-CARRYING> 34,922 <INVESTMENTS-MARKET> 34,170 <LOANS> 146,903 <ALLOWANCE> 2,021 <TOTAL-ASSETS> 248,558 <DEPOSITS> 207,321 <SHORT-TERM> 4,295 <LIABILITIES-OTHER> 462 <LONG-TERM> 6,568 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,847 <OTHER-SE> 21,065 <TOTAL-LIABILITIES-AND-EQUITY> 248,558 <INTEREST-LOAN> 6,841 <INTEREST-INVEST> 2,172 <INTEREST-OTHER> 248 <INTEREST-TOTAL> 9,261 <INTEREST-DEPOSIT> 4,054 <INTEREST-EXPENSE> 4,364 <INTEREST-INCOME-NET> 4,897 <LOAN-LOSSES> 120 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,858 <INCOME-PRETAX> 2,234 <INCOME-PRE-EXTRAORDINARY> 2,234 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,676 <EPS-BASIC> 2.38 <EPS-DILUTED> 2.38 <YIELD-ACTUAL> 4.24 <LOANS-NON> 44 <LOANS-PAST> 229 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,888 <CHARGE-OFFS> 124 <RECOVERIES> 137 <ALLOWANCE-CLOSE> 2,021 <ALLOWANCE-DOMESTIC> 2,021 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0