<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FNANCIAL  INFORMATION  EXTRACTED FROM THE JUNE 30,
1998 FINANCIAL  STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                     1000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             APR-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           8,167
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,800
<INVESTMENTS-CARRYING>                           1,705
<INVESTMENTS-MARKET>                             1,759
<LOANS>                                         69,823
<ALLOWANCE>                                      1,358
<TOTAL-ASSETS>                                 152,057
<DEPOSITS>                                     138,212
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                644
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,559
<OTHER-SE>                                       5,642
<TOTAL-LIABILITIES-AND-EQUITY>                 152,057
<INTEREST-LOAN>                                  1,776
<INTEREST-INVEST>                                  878
<INTEREST-OTHER>                                    85
<INTEREST-TOTAL>                                 2,739
<INTEREST-DEPOSIT>                               1,061
<INTEREST-EXPENSE>                               1,061
<INTEREST-INCOME-NET>                            1,678
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,851
<INCOME-PRETAX>                                    236
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       181
<EPS-PRIMARY>                                      .14
<EPS-DILUTED>                                      .13
<YIELD-ACTUAL>                                    5.17
<LOANS-NON>                                        302
<LOANS-PAST>                                       411
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,340
<CHARGE-OFFS>                                       37
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                1,358
<ALLOWANCE-DOMESTIC>                             1,358
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            950
        


</TABLE>