<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR FISCAL PERIOD 6-30-98 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       8,581,906
<INT-BEARING-DEPOSITS>                         100,045
<FED-FUNDS-SOLD>                             5,510,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 54,192,809
<INVESTMENTS-CARRYING>                      20,936,619
<INVESTMENTS-MARKET>                        21,157,061
<LOANS>                                     92,996,258
<ALLOWANCE>                                  1,416,740
<TOTAL-ASSETS>                             185,513,723
<DEPOSITS>                                 153,987,434
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,371,954
<LONG-TERM>                                  4,591,427
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,482
<OTHER-SE>                                  15,191,732
<TOTAL-LIABILITIES-AND-EQUITY>             185,513,723
<INTEREST-LOAN>                              4,599,545
<INTEREST-INVEST>                            2,147,731
<INTEREST-OTHER>                               171,148
<INTEREST-TOTAL>                             6,918,424
<INTEREST-DEPOSIT>                           2,939,340
<INTEREST-EXPENSE>                             366,669
<INTEREST-INCOME-NET>                        3,612,415
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,997,356
<INCOME-PRETAX>                              1,157,507
<INCOME-PRE-EXTRAORDINARY>                   1,157,507
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   837,249
<EPS-PRIMARY>                                     1.62
<EPS-DILUTED>                                     1.62
<YIELD-ACTUAL>                                    8.29
<LOANS-NON>                                    307,548
<LOANS-PAST>                                     9,000
<LOANS-TROUBLED>                                39,000
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                             1,443,135
<CHARGE-OFFS>                                  172,054
<RECOVERIES>                                    25,659
<ALLOWANCE-CLOSE>                            1,416,740
<ALLOWANCE-DOMESTIC>                         1,416,740
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>INFORMATION NOT CONTAINED IN FINANICAL STATEMENTS.
</FN>
        

</TABLE>