<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FOUND ON PAGES 2 AND 3 OF THE COMPANY'S FORM 10-Q FOR JUNE 30, 1999, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 26,754 <INT-BEARING-DEPOSITS> 1,298 <FED-FUNDS-SOLD> 18,090 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 18,499 <INVESTMENTS-CARRYING> 18,570 <INVESTMENTS-MARKET> 18,298 <LOANS> 253,979 <ALLOWANCE> 3,563 <TOTAL-ASSETS> 349,003 <DEPOSITS> 312,586 <SHORT-TERM> 1,816 <LIABILITIES-OTHER> 2,059 <LONG-TERM> 370 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,275 <OTHER-SE> 12,897 <TOTAL-LIABILITIES-AND-EQUITY> 349,003 <INTEREST-LOAN> 11,540 <INTEREST-INVEST> 1,130 <INTEREST-OTHER> 523 <INTEREST-TOTAL> 13,193 <INTEREST-DEPOSIT> 3,121 <INTEREST-EXPENSE> 3,171 <INTEREST-INCOME-NET> 10,022 <LOAN-LOSSES> 200 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,053 <INCOME-PRETAX> 3,659 <INCOME-PRE-EXTRAORDINARY> 2,152 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,152 <EPS-BASIC> 0.44 <EPS-DILUTED> 0.42 <YIELD-ACTUAL> 6.69 <LOANS-NON> 2,473 <LOANS-PAST> 0 <LOANS-TROUBLED> 5,005 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,592 <CHARGE-OFFS> 317 <RECOVERIES> 88 <ALLOWANCE-CLOSE> 3,563 <ALLOWANCE-DOMESTIC> 3,563 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0