<TABLE> <S> <C>


<ARTICLE>                                                9              
<MULTIPLIER>                                         1,000
       
<S>                                                  <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                                 508
<INT-BEARING-DEPOSITS>                               4,346
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         13,936
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             67,290
<ALLOWANCE>                                           (240)
<TOTAL-ASSETS>                                      90,264
<DEPOSITS>                                          64,415
<SHORT-TERM>                                         6,500
<LIABILITIES-OTHER>                                    912
<LONG-TERM>                                          1,450
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             7,573
<OTHER-SE>                                           9,414
<TOTAL-LIABILITIES-AND-EQUITY>                      90,264
<INTEREST-LOAN>                                      2,701
<INTEREST-INVEST>                                      418
<INTEREST-OTHER>                                       108
<INTEREST-TOTAL>                                     3,227
<INTEREST-DEPOSIT>                                   1,494
<INTEREST-EXPENSE>                                   1,683
<INTEREST-INCOME-NET>                                1,544
<LOAN-LOSSES>                                           18
<SECURITIES-GAINS>                                       3
<EXPENSE-OTHER>                                        637
<INCOME-PRETAX>                                      1,011
<INCOME-PRE-EXTRAORDINARY>                             629
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           629
<EPS-PRIMARY>                                          .50
<EPS-DILUTED>                                          .48
<YIELD-ACTUAL>                                        3.65
<LOANS-NON>                                            232
<LOANS-PAST>                                           232
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       245
<CHARGE-OFFS>                                          (23)
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      240
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                240
        


</TABLE>