<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> 18,883 <INT-BEARING-DEPOSITS> 2,324 <FED-FUNDS-SOLD> 3,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,378 <INVESTMENTS-CARRYING> 15,760 <INVESTMENTS-MARKET> 15,565 <LOANS> 274,551 <ALLOWANCE> 2,458 <TOTAL-ASSETS> 340,409 <DEPOSITS> 298,350 <SHORT-TERM> 13,000 <LIABILITIES-OTHER> 1,404 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,772 <OTHER-SE> 14,883 <TOTAL-LIABILITIES-AND-EQUITY> 340,409 <INTEREST-LOAN> 11,691 <INTEREST-INVEST> 570 <INTEREST-OTHER> 677 <INTEREST-TOTAL> 12,938 <INTEREST-DEPOSIT> 5,360 <INTEREST-EXPENSE> 5,366 <INTEREST-INCOME-NET> 7,572 <LOAN-LOSSES> 231 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 16,471 <INCOME-PRETAX> 2,051 <INCOME-PRE-EXTRAORDINARY> 2,051 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,141 <EPS-BASIC> 0.45 <EPS-DILUTED> 0.44 <YIELD-ACTUAL> 5.23 <LOANS-NON> 2,452 <LOANS-PAST> 189 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,490 <ALLOWANCE-OPEN> 2,300 <CHARGE-OFFS> 156 <RECOVERIES> 83 <ALLOWANCE-CLOSE> 2,458 <ALLOWANCE-DOMESTIC> 2,179 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 279