<TABLE> <S> <C>

   <ARTICLE> 9
   <MULTIPLIER> 1
          
   <S>                                                     <C>
   <PERIOD-TYPE>                                           6-MOS
   <FISCAL-YEAR-END>                                                DEC-31-1998
   <PERIOD-START>                                                   JAN-01-1998
   <PERIOD-END>                                                     JUN-30-1998
   <CASH>                                                            17,700,429
   <INT-BEARING-DEPOSITS>                                             2,862,448
   <FED-FUNDS-SOLD>                                                  22,785,945
   <TRADING-ASSETS>                                                           0
   <INVESTMENTS-HELD-FOR-SALE>                                       69,444,921
   <INVESTMENTS-CARRYING>                                                     0
   <INVESTMENTS-MARKET>                                                       0
   <LOANS>                                                          293,252,958
   <ALLOWANCE>                                                        3,722,778
   <TOTAL-ASSETS>                                                   425,144,169
   <DEPOSITS>                                                       333,659,661
   <SHORT-TERM>                                                       4,918,547
   <LIABILITIES-OTHER>                                                2,849,158
   <LONG-TERM>                                                       42,128,696
   <COMMON>                                                           1,217,065
   <PREFERRED-MANDATORY>                                                      0
   <PREFERRED>                                                                0
   <OTHER-SE>                                                        40,371,042
   <TOTAL-LIABILITIES-AND-EQUITY>                                   425,144,169
   <INTEREST-LOAN>                                                   13,680,421
   <INTEREST-INVEST>                                                  2,260,926
   <INTEREST-OTHER>                                                     862,165
   <INTEREST-TOTAL>                                                  16,803,512
   <INTEREST-DEPOSIT>                                                 6,839,684
   <INTEREST-EXPENSE>                                                 8,065,617
   <INTEREST-INCOME-NET>                                              8,737,895
   <LOAN-LOSSES>                                                        434,283
   <SECURITIES-GAINS>                                                    28,988
   <EXPENSE-OTHER>                                                    6,095,154
   <INCOME-PRETAX>                                                    4,593,960
   <INCOME-PRE-EXTRAORDINARY>                                         3,036,156
   <EXTRAORDINARY>                                                            0
   <CHANGES>                                                                  0
   <NET-INCOME>                                                       3,036,156
   <EPS-PRIMARY>                                                            .41
   <EPS-DILUTED>                                                            .41
   <YIELD-ACTUAL>                                                             0
   <LOANS-NON>                                                                0
   <LOANS-PAST>                                                               0
   <LOANS-TROUBLED>                                                           0
   <LOANS-PROBLEM>                                                            0
   <ALLOWANCE-OPEN>                                                           0
   <CHARGE-OFFS>                                                              0
   <RECOVERIES>                                                               0
   <ALLOWANCE-CLOSE>                                                          0
   <ALLOWANCE-DOMESTIC>                                                       0
   <ALLOWANCE-FOREIGN>                                                        0
   <ALLOWANCE-UNALLOCATED>                                                    0
           
   
</TABLE>