<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLODATED INCOME STATEMENTS AND CONSOLODATED BALANCE SHEETS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE, AND IS
QUALIFIED IN ITS ENTIRETY 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>                                          11,433
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,725
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    101,553
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        246,795
<ALLOWANCE>                                      3,889
<TOTAL-ASSETS>                                 380,952
<DEPOSITS>                                     338,378
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,078
<LONG-TERM>                                         42
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           728
<OTHER-SE>                                      37,726
<TOTAL-LIABILITIES-AND-EQUITY>                 380,952
<INTEREST-LOAN>                                 10,403
<INTEREST-INVEST>                                2,725
<INTEREST-OTHER>                                   284
<INTEREST-TOTAL>                                13,412
<INTEREST-DEPOSIT>                               6,883
<INTEREST-EXPENSE>                               6,892
<INTEREST-INCOME-NET>                            6,520
<LOAN-LOSSES>                                      210
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,336
<INCOME-PRETAX>                                  2,703
<INCOME-PRE-EXTRAORDINARY>                       2,703
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,150
<EPS-PRIMARY>                                     0.98
<EPS-DILUTED>                                     0.98
<YIELD-ACTUAL>                                    8.05
<LOANS-NON>                                      1,365
<LOANS-PAST>                                     1,979
<LOANS-TROUBLED>                                   181
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,798
<CHARGE-OFFS>                                      245
<RECOVERIES>                                       126
<ALLOWANCE-CLOSE>                                3,889
<ALLOWANCE-DOMESTIC>                             3,889
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>