<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from the Consolidated
Balance Sheet at June 30, 1998 (unaudited) and the Consolidated Statement
of Income for the Six Months Ended June 30, 1998 (unaudited) and is
qualified in its entirity by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                            6137
<INT-BEARING-DEPOSITS>                            2089
<FED-FUNDS-SOLD>                                 10950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      27329
<INVESTMENTS-CARRYING>                             792
<INVESTMENTS-MARKET>                               792
<LOANS>                                         119533
<ALLOWANCE>                                       1789
<TOTAL-ASSETS>                                  170012
<DEPOSITS>                                      145479
<SHORT-TERM>                                      7824
<LIABILITIES-OTHER>                               2331
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1443
<OTHER-SE>                                       12935
<TOTAL-LIABILITIES-AND-EQUITY>                  170012
<INTEREST-LOAN>                                   6032
<INTEREST-INVEST>                                  817
<INTEREST-OTHER>                                   288
<INTEREST-TOTAL>                                  7137
<INTEREST-DEPOSIT>                                3273
<INTEREST-EXPENSE>                                3417
<INTEREST-INCOME-NET>                             3720
<LOAN-LOSSES>                                      101
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   3010
<INCOME-PRETAX>                                   1374
<INCOME-PRE-EXTRAORDINARY>                        1374
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       870
<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                    4.84
<LOANS-NON>                                          0
<LOANS-PAST>                                        81
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1728
<CHARGE-OFFS>                                      156
<RECOVERIES>                                       116
<ALLOWANCE-CLOSE>                                 1789
<ALLOWANCE-DOMESTIC>                              1789
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>