<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
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<INTEREST-DEPOSIT>                           1,117,340
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<LOAN-LOSSES>                                   69,000
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