<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> 18,981 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,650 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 111,465 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 111,465 <LOANS> 183,785 <ALLOWANCE> 3,829 <TOTAL-ASSETS> 323,767 <DEPOSITS> 267,141 <SHORT-TERM> 21,500 <LIABILITIES-OTHER> 3,787 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,801 <OTHER-SE> 10,538 <TOTAL-LIABILITIES-AND-EQUITY> 323,767 <INTEREST-LOAN> 8,562 <INTEREST-INVEST> 3,261 <INTEREST-OTHER> 573 <INTEREST-TOTAL> 12,396 <INTEREST-DEPOSIT> 2,979 <INTEREST-EXPENSE> 3,320 <INTEREST-INCOME-NET> 9,076 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 52 <EXPENSE-OTHER> 6,422 <INCOME-PRETAX> 5,135 <INCOME-PRE-EXTRAORDINARY> 5,135 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,145 <EPS-BASIC> 0.66 <EPS-DILUTED> 0.64 <YIELD-ACTUAL> .061 <LOANS-NON> 2,101 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,871 <CHARGE-OFFS> 81 <RECOVERIES> 39 <ALLOWANCE-CLOSE> 3,829 <ALLOWANCE-DOMESTIC> 3,829 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0