<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           4,730
<INT-BEARING-DEPOSITS>                              16
<FED-FUNDS-SOLD>                                 2,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     30,228
<INVESTMENTS-CARRYING>                           4,314
<INVESTMENTS-MARKET>                             4,327
<LOANS>                                         92,281
<ALLOWANCE>                                        905
<TOTAL-ASSETS>                                 139,610
<DEPOSITS>                                     123,084
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                604
<LONG-TERM>                                      2,041
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,352
<OTHER-SE>                                      12,305
<TOTAL-LIABILITIES-AND-EQUITY>                  13,881
<INTEREST-LOAN>                                  3,898
<INTEREST-INVEST>                                1,093
<INTEREST-OTHER>                                    66
<INTEREST-TOTAL>                                 5,057
<INTEREST-DEPOSIT>                               1,932
<INTEREST-EXPENSE>                               1,994
<INTEREST-INCOME-NET>                            3,063
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,378
<INCOME-PRETAX>                                    924
<INCOME-PRE-EXTRAORDINARY>                         924
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       641
<EPS-PRIMARY>                                     0.59
<EPS-DILUTED>                                     0.59
<YIELD-ACTUAL>                                    7.94
<LOANS-NON>                                        667
<LOANS-PAST>                                        55
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   874
<CHARGE-OFFS>                                       83
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                  905
<ALLOWANCE-DOMESTIC>                               378
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            527
        


</TABLE>