<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          16,057
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                30,825
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,240
<INVESTMENTS-CARRYING>                          62,304
<INVESTMENTS-MARKET>                            63,056
<LOANS>                                        232,501
<ALLOWANCE>                                      3,094
<TOTAL-ASSETS>                                 417,692
<DEPOSITS>                                     337,740
<SHORT-TERM>                                    36,401
<LIABILITIES-OTHER>                              3,081
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      34,483
<TOTAL-LIABILITIES-AND-EQUITY>                 417,692
<INTEREST-LOAN>                                 10,343
<INTEREST-INVEST>                                3,798
<INTEREST-OTHER>                                   600
<INTEREST-TOTAL>                                14,741
<INTEREST-DEPOSIT>                               5,618
<INTEREST-EXPENSE>                               6,448
<INTEREST-INCOME-NET>                            8,293
<LOAN-LOSSES>                                      365
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,512
<INCOME-PRETAX>                                  4,195
<INCOME-PRE-EXTRAORDINARY>                       2,782
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,782
<EPS-PRIMARY>                                     4.65<F1>
<EPS-DILUTED>                                     4.65<F1>
<YIELD-ACTUAL>                                    4.49<F1>
<LOANS-NON>                                         22
<LOANS-PAST>                                       109
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     22
<ALLOWANCE-OPEN>                                 2,879
<CHARGE-OFFS>                                      306
<RECOVERIES>                                       156
<ALLOWANCE-CLOSE>                                3,094
<ALLOWANCE-DOMESTIC>                             3,094
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER DOES NOT APPLY TO EPS AND YIELD DATA.
</FN>
        

</TABLE>