<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q 
FOR THE QUARTERLY PERIOD ENDED JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY 
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                         14,117,018
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                3,960,000
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    44,153,638
<INVESTMENTS-CARRYING>                         52,381,542
<INVESTMENTS-MARKET>                                    0
<LOANS>                                       223,911,710
<ALLOWANCE>                                     2,467,537
<TOTAL-ASSETS>                                346,831,468
<DEPOSITS>                                    300,275,901
<SHORT-TERM>                                    9,169,039
<LIABILITIES-OTHER>                             3,898,742
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                        9,127,843
<OTHER-SE>                                     24,359,943
<TOTAL-LIABILITIES-AND-EQUITY>                346,831,468
<INTEREST-LOAN>                                10,201,128
<INTEREST-INVEST>                               2,812,409
<INTEREST-OTHER>                                  107,704
<INTEREST-TOTAL>                               13,121,241
<INTEREST-DEPOSIT>                              5,523,919
<INTEREST-EXPENSE>                              5,739,062
<INTEREST-INCOME-NET>                           7,382,179
<LOAN-LOSSES>                                     270,000
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 5,403,117
<INCOME-PRETAX>                                 3,261,533
<INCOME-PRE-EXTRAORDINARY>                      3,261,533
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                    2,262,603
<EPS-PRIMARY>                                         .62
<EPS-DILUTED>                                         .60
<YIELD-ACTUAL>                                       4.65
<LOANS-NON>                                       534,000
<LOANS-PAST>                                      157,000
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                2,294,000
<CHARGE-OFFS>                                     192,000
<RECOVERIES>                                       96,000
<ALLOWANCE-CLOSE>                               2,468,000
<ALLOWANCE-DOMESTIC>                            2,228,000
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                           240,000
        

</TABLE>