<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