<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                              10,079
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     9,604
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         25,336
<INVESTMENTS-CARRYING>                              11,243
<INVESTMENTS-MARKET>                                11,328
<LOANS>                                            113,704
<ALLOWANCE>                                          1,464
<TOTAL-ASSETS>                                     181,341
<DEPOSITS>                                         159,551
<SHORT-TERM>                                           266
<LIABILITIES-OTHER>                                    912
<LONG-TERM>                                             24
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            10,995
<OTHER-SE>                                           9,593
<TOTAL-LIABILITIES-AND-EQUITY>                     181,341
<INTEREST-LOAN>                                      5,773
<INTEREST-INVEST>                                    1,448
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     7,221
<INTEREST-DEPOSIT>                                   3,027
<INTEREST-EXPENSE>                                   3,033
<INTEREST-INCOME-NET>                                4,188
<LOAN-LOSSES>                                          233
<SECURITIES-GAINS>                                       1
<EXPENSE-OTHER>                                      3,003
<INCOME-PRETAX>                                      1,481
<INCOME-PRE-EXTRAORDINARY>                           1,481
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,007
<EPS-PRIMARY>                                         0.46
<EPS-DILUTED>                                         0.44
<YIELD-ACTUAL>                                        5.46
<LOANS-NON>                                            339
<LOANS-PAST>                                           280
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,324
<CHARGE-OFFS>                                          114
<RECOVERIES>                                            21
<ALLOWANCE-CLOSE>                                    1,464
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,464
                                                          
                                               

</TABLE>