<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> 23,329 <INT-BEARING-DEPOSITS> 1,850 <FED-FUNDS-SOLD> 6,625 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 122,884 <INVESTMENTS-CARRYING> 16,752 <INVESTMENTS-MARKET> 16,635 <LOANS> 306,794 <ALLOWANCE> 5,889 <TOTAL-ASSETS> 511,231 <DEPOSITS> 457,449 <SHORT-TERM> 2,702 <LIABILITIES-OTHER> 4,299 <LONG-TERM> 3,241 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,025 <OTHER-SE> 6,515 <TOTAL-LIABILITIES-AND-EQUITY> 511,231 <INTEREST-LOAN> 14,017 <INTEREST-INVEST> 4,022 <INTEREST-OTHER> 342 <INTEREST-TOTAL> 18,381 <INTEREST-DEPOSIT> 6,244 <INTEREST-EXPENSE> 6,474 <INTEREST-INCOME-NET> 11,907 <LOAN-LOSSES> 1,100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,943 <INCOME-PRETAX> 3,467 <INCOME-PRE-EXTRAORDINARY> 2,356 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,356 <EPS-BASIC> 0.51 <EPS-DILUTED> 0.50 <YIELD-ACTUAL> 8.33 <LOANS-NON> 2,814 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,775 <CHARGE-OFFS> 704 <RECOVERIES> 718 <ALLOWANCE-CLOSE> 5,889 <ALLOWANCE-DOMESTIC> 5,889 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0