<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS OF THE
COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE; AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</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>                                           8,391
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                31,052
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     80,430
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        136,922
<ALLOWANCE>                                      1,389
<TOTAL-ASSETS>                                 275,874
<DEPOSITS>                                     220,909
<SHORT-TERM>                                     7,664
<LIABILITIES-OTHER>                              3,116
<LONG-TERM>                                     14,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        22,255
<OTHER-SE>                                       7,001
<TOTAL-LIABILITIES-AND-EQUITY>                 275,874
<INTEREST-LOAN>                                  6,638
<INTEREST-INVEST>                                2,481
<INTEREST-OTHER>                                   785
<INTEREST-TOTAL>                                 9,904
<INTEREST-DEPOSIT>                               3,444
<INTEREST-EXPENSE>                               4,055
<INTEREST-INCOME-NET>                            5,849
<LOAN-LOSSES>                                      124
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  6,233
<INCOME-PRETAX>                                  1,820
<INCOME-PRE-EXTRAORDINARY>                       1,150
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,150
<EPS-PRIMARY>                                      .28
<EPS-DILUTED>                                      .28
<YIELD-ACTUAL>                                    4.43
<LOANS-NON>                                        825
<LOANS-PAST>                                        61
<LOANS-TROUBLED>                                     0<F1>
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 1,429
<CHARGE-OFFS>                                      180
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                                1,389
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THESE ITEMS NOT REQUIRED BY REGULATION SB.
</FN>
        

</TABLE>