<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                  6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-1999
<CASH>                                           6,669
<INT-BEARING-DEPOSITS>                             500
<FED-FUNDS-SOLD>                                 2,991
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    108,645
<INVESTMENTS-CARRYING>                           7,130
<INVESTMENTS-MARKET>                             7,023
<LOANS>                                        166,678
<ALLOWANCE>                                      2,144
<TOTAL-ASSETS>                                 298,426
<DEPOSITS>                                     216,948
<SHORT-TERM>                                    33,661
<LIABILITIES-OTHER>                              7,619
<LONG-TERM>                                     16,500
                                0
                                          0
<COMMON>                                         1,010
<OTHER-SE>                                      12,688
<TOTAL-LIABILITIES-AND-EQUITY>                 288,426
<INTEREST-LOAN>                                  6,610
<INTEREST-INVEST>                                3,440
<INTEREST-OTHER>                                    38
<INTEREST-TOTAL>                                10,088
<INTEREST-DEPOSIT>                               4,130
<INTEREST-EXPENSE>                               5,170
<INTEREST-INCOME-NET>                            4,918
<LOAN-LOSSES>                                      352
<SECURITIES-GAINS>                                 (58)
<EXPENSE-OTHER>                                  3,047
<INCOME-PRETAX>                                  1,617
<INCOME-PRE-EXTRAORDINARY>                       1,617
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,231
<EPS-BASIC>                                       0.42
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    7.74
<LOANS-NON>                                        886
<LOANS-PAST>                                       131
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,202
<ALLOWANCE-OPEN>                                 1,805
<CHARGE-OFFS>                                       13
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,144
<ALLOWANCE-DOMESTIC>                             1,652
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            492



</TABLE>



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