<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE FISCAL  QUARTER ENDED JUNE 30, 1998 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                         485,021     
<INT-BEARING-DEPOSITS>                         681,326     
<FED-FUNDS-SOLD>                               0           
<TRADING-ASSETS>                               0           
<INVESTMENTS-HELD-FOR-SALE>                    33,547,988  
<INVESTMENTS-CARRYING>                         0           
<INVESTMENTS-MARKET>                           0           
<LOANS>                                        47,619,229  
<ALLOWANCE>                                    179,000     
<TOTAL-ASSETS>                                 85,000,285  
<DEPOSITS>                                     41,244,937  
<SHORT-TERM>                                   13,550,000  
<LIABILITIES-OTHER>                            2,442,391   
<LONG-TERM>                                    5,000,000   
<PREFERRED-MANDATORY>                          0           
<PREFERRED>                                    0  
<COMMON>                                       21,821      
<OTHER-SE>                                     22,741,136  
<TOTAL-LIABILITIES-AND-EQUITY>                 85,000,285  
<INTEREST-LOAN>                                1,850,647   
<INTEREST-INVEST>                              1,265,183   
<INTEREST-OTHER>                               77,112      
<INTEREST-TOTAL>                               3,192,942   
<INTEREST-DEPOSIT>                             864,190     
<INTEREST-EXPENSE>                             1,343,376   
<INTEREST-INCOME-NET>                          1,849,566   
<LOAN-LOSSES>                                  0           
<SECURITIES-GAINS>                             23,039      
<EXPENSE-OTHER>                                723,344     
<INCOME-PRETAX>                                1,195,495   
<INCOME-PRE-EXTRAORDINARY>                     1,195,495   
<EXTRAORDINARY>                                0           
<CHANGES>                                      0           
<NET-INCOME>                                   771,565     
<EPS-PRIMARY>                                  0.41       
<EPS-DILUTED>                                  0.41       
<YIELD-ACTUAL>                                 4.42       
<LOANS-NON>                                    352,419     
<LOANS-PAST>                                   2,458,169   
<LOANS-TROUBLED>                               0           
<LOANS-PROBLEM>                                0           
<ALLOWANCE-OPEN>                               186,000     
<CHARGE-OFFS>                                  7           
<RECOVERIES>                                   0           
<ALLOWANCE-CLOSE>                              179,000     
<ALLOWANCE-DOMESTIC>                           0           
<ALLOWANCE-FOREIGN>                            0           
<ALLOWANCE-UNALLOCATED>                        0           
                                               

</TABLE>