<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                                                           <C>
<PERIOD-TYPE>                                                       6-MOS
<FISCAL-YEAR-END>                                             DEC-31-1998
<PERIOD-END>                                                  JUN-30-1998
<CASH>                                                         15,133,000
<INT-BEARING-DEPOSITS>                                        163,469,000
<FED-FUNDS-SOLD>                                               24,900,000
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                    60,547,000
<INVESTMENTS-CARRYING>                                         86,412,000
<INVESTMENTS-MARKET>                                           87,241,000
<LOANS>                                                       121,944,000
<ALLOWANCE>                                                    (2,247,000)
<TOTAL-ASSETS>                                                253,907,000
<DEPOSITS>                                                    222,119,000
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                             1,160,000
<LONG-TERM>                                                    11,200,000
<COMMON>                                                        9,611,000
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<OTHER-SE>                                                      9,817,000
<TOTAL-LIABILITIES-AND-EQUITY>                                253,907,000
<INTEREST-LOAN>                                                 6,155,000
<INTEREST-INVEST>                                               2,070,000
<INTEREST-OTHER>                                                  259,000
<INTEREST-TOTAL>                                                8,484,000
<INTEREST-DEPOSIT>                                              2,429,000
<INTEREST-EXPENSE>                                              2,825,000
<INTEREST-INCOME-NET>                                           5,659,000
<LOAN-LOSSES>                                                      61,000
<SECURITIES-GAINS>                                                 35,000
<EXPENSE-OTHER>                                                 4,923,000
<INCOME-PRETAX>                                                 1,019,000
<INCOME-PRE-EXTRAORDINARY>                                      1,019,000
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                      883,000
<EPS-PRIMARY>                                                         .38
<EPS-DILUTED>                                                         .34
<YIELD-ACTUAL>                                                       8.85
<LOANS-NON>                                                        54,000
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                2,125,000
<CHARGE-OFFS>                                                      74,000
<RECOVERIES>                                                       10,000
<ALLOWANCE-CLOSE>                                               2,247,000
<ALLOWANCE-DOMESTIC>                                            2,247,000
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0
        

</TABLE>