<TABLE> <S> <C>

<ARTICLE>      9
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<S>                                                        <C>
<PERIOD-TYPE>                                              6-MOS
<FISCAL-YEAR-END>                                          DEC-31-1998
<PERIOD-END>                                               JUN-30-1998
<CASH>                                                      13,568,912
<INT-BEARING-DEPOSITS>                                         145,488
<FED-FUNDS-SOLD>                                            16,050,025
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                214,865,641
<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                       214,865,641
<LOANS>                                                    289,814,672
<ALLOWANCE>                                                  3,179,566
<TOTAL-ASSETS>                                             551,177,577
<DEPOSITS>                                                 412,592,185
<SHORT-TERM>                                                84,096,093
<LIABILITIES-OTHER>                                          6,664,003
<LONG-TERM>                                                 12,668,179
<COMMON>                                                     7,824,185
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<OTHER-SE>                                                  27,332,932
<TOTAL-LIABILITIES-AND-EQUITY>                             551,177,577
<INTEREST-LOAN>                                             12,683,363
<INTEREST-INVEST>                                            6,288,501
<INTEREST-OTHER>                                               330,084
<INTEREST-TOTAL>                                            19,301,948
<INTEREST-DEPOSIT>                                           8,164,638
<INTEREST-EXPENSE>                                           2,664,278
<INTEREST-INCOME-NET>                                        8,473,032
<LOAN-LOSSES>                                                  120,000
<SECURITIES-GAINS>                                             486,809
<EXPENSE-OTHER>                                              6,978,405
<INCOME-PRETAX>                                              3,565,521
<INCOME-PRE-EXTRAORDINARY>                                   2,540,508
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                 2,540,508
<EPS-PRIMARY>                                                     0.81
<EPS-DILUTED>                                                     0.81
<YIELD-ACTUAL>                                                    0341
<LOANS-NON>                                                    822,000
<LOANS-PAST>                                                 1,366,000
<LOANS-TROUBLED>                                               546,000
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                     0
<CHARGE-OFFS>                                                        0
<RECOVERIES>                                                         0
<ALLOWANCE-CLOSE>                                                    0
<ALLOWANCE-DOMESTIC>                                                 0
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0
        

</TABLE>