<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME AND
COMPREHENSIVE INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           17265
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  3500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      22748
<INVESTMENTS-CARRYING>                           32028
<INVESTMENTS-MARKET>                             32345
<LOANS>                                         161907
<ALLOWANCE>                                       1982
<TOTAL-ASSETS>                                  251732
<DEPOSITS>                                      219401
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               9339
<LONG-TERM>                                       5000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          4306
<OTHER-SE>                                       13686
<TOTAL-LIABILITIES-AND-EQUITY>                  251732
<INTEREST-LOAN>                                   8020
<INTEREST-INVEST>                                 1571
<INTEREST-OTHER>                                   119
<INTEREST-TOTAL>                                  9710
<INTEREST-DEPOSIT>                                3682
<INTEREST-EXPENSE>                                3845
<INTEREST-INCOME-NET>                             5865
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   4611
<INCOME-PRETAX>                                   2354
<INCOME-PRE-EXTRAORDINARY>                        2354
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1748
<EPS-PRIMARY>                                      .91
<EPS-DILUTED>                                      .91
<YIELD-ACTUAL>                                    5.33
<LOANS-NON>                                        855
<LOANS-PAST>                                       720
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   3661
<ALLOWANCE-OPEN>                                  1863
<CHARGE-OFFS>                                      247
<RECOVERIES>                                        66
<ALLOWANCE-CLOSE>                                 1982
<ALLOWANCE-DOMESTIC>                              1056
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            926
        

</TABLE>