<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1998,  (unaudited) and the  Consolidated
Statement  of Income for the six months ended June 30, 1998  (unaudited)  and is
qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                                                               1,000
       
<S>                                                <C>
<PERIOD-TYPE>                                       6-MOS
<FISCAL-YEAR-END>                                   DEC-31-1998
<PERIOD-END>                                        JUN-30-1998
<CASH>                                                                    7,319
<INT-BEARING-DEPOSITS>                                                    2,316
<FED-FUNDS-SOLD>                                                          8,270
<TRADING-ASSETS>                                                             78
<INVESTMENTS-HELD-FOR-SALE>                                              19,439
<INVESTMENTS-CARRYING>                                                   13,098
<INVESTMENTS-MARKET>                                                     13,121
<LOANS>                                                                 102,474
<ALLOWANCE>                                                               1,270
<TOTAL-ASSETS>                                                          157,167
<DEPOSITS>                                                              126,334
<SHORT-TERM>                                                              2,459
<LIABILITIES-OTHER>                                                         682
<LONG-TERM>                                                               9,560
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                 13,618
<OTHER-SE>                                                                4,514
<TOTAL-LIABILITIES-AND-EQUITY>                                          157,167
<INTEREST-LOAN>                                                           4,539
<INTEREST-INVEST>                                                           957
<INTEREST-OTHER>                                                            212
<INTEREST-TOTAL>                                                          5,708
<INTEREST-DEPOSIT>                                                        2,371
<INTEREST-EXPENSE>                                                        2,548
<INTEREST-INCOME-NET>                                                     3,160
<LOAN-LOSSES>                                                               188
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                           2,202
<INCOME-PRETAX>                                                           1,261
<INCOME-PRE-EXTRAORDINARY>                                                1,261
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                847
<EPS-PRIMARY>                                                              0.31
<EPS-DILUTED>                                                              0.30
<YIELD-ACTUAL>                                                             4.69
<LOANS-NON>                                                                  75
<LOANS-PAST>                                                                 99
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                             174
<ALLOWANCE-OPEN>                                                          1,140
<CHARGE-OFFS>                                                                67
<RECOVERIES>                                                                  9
<ALLOWANCE-CLOSE>                                                         1,270
<ALLOWANCE-DOMESTIC>                                                      1,270
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0
        

</TABLE>