<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the 
Balance Sheet, and Statement of Income, 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>                                         13,578
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                8,500
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     1,609
<INVESTMENTS-CARRYING>                         12,282
<INVESTMENTS-MARKET>                           12,410
<LOANS>                                       102,031
<ALLOWANCE>                                     1,773
<TOTAL-ASSETS>                                138,830
<DEPOSITS>                                    123,338
<SHORT-TERM>                                    1,500
<LIABILITIES-OTHER>                             1,071
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0                                   
<COMMON>                                        4,854
<OTHER-SE>                                      8,067
<TOTAL-LIABILITIES-AND-EQUITY>                138,830
<INTEREST-LOAN>                                 4,837          
<INTEREST-INVEST>                                 448
<INTEREST-OTHER>                                  293
<INTEREST-TOTAL>                                5,578
<INTEREST-DEPOSIT>                              1,697
<INTEREST-EXPENSE>                              1,734
<INTEREST-INCOME-NET>                           3,844
<LOAN-LOSSES>                                      70
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 3,096
<INCOME-PRETAX>                                 1,887
<INCOME-PRE-EXTRAORDINARY>                      1,887
<EXTRAORDINARY>                                     0
<CHANGES>                                           0      
<NET-INCOME>                                    1,099
<EPS-PRIMARY>                                    1.12
<EPS-DILUTED>                                    1.09
<YIELD-ACTUAL>                                   9.54
<LOANS-NON>                                       145
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,773
<CHARGE-OFFS>                                      34
<RECOVERIES>                                       99
<ALLOWANCE-CLOSE>                               1,773
<ALLOWANCE-DOMESTIC>                            1,773
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        

</TABLE>