<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 14,917 <INT-BEARING-DEPOSITS> 772 <FED-FUNDS-SOLD> 3,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,785 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 155,047 <ALLOWANCE> 2,636 <TOTAL-ASSETS> 229,680 <DEPOSITS> 202,849 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,328 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,255 <OTHER-SE> 8,928 <TOTAL-LIABILITIES-AND-EQUITY> 229,680 <INTEREST-LOAN> 8,186 <INTEREST-INVEST> 1,518 <INTEREST-OTHER> 39 <INTEREST-TOTAL> 9,743 <INTEREST-DEPOSIT> 2,562 <INTEREST-EXPENSE> 2,856 <INTEREST-INCOME-NET> 6,887 <LOAN-LOSSES> 125 <SECURITIES-GAINS> (16) <EXPENSE-OTHER> 4,362 <INCOME-PRETAX> 3,739 <INCOME-PRE-EXTRAORDINARY> 3,739 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,453 <EPS-BASIC> 0.93 <EPS-DILUTED> 0.86 <YIELD-ACTUAL> 6.61 <LOANS-NON> 1,089 <LOANS-PAST> 26 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,631 <CHARGE-OFFS> 141 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 2,636 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,636