<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>              
<PERIOD-TYPE>                                  6-MOS            
<FISCAL-YEAR-END>                              DEC-31-1998      
<PERIOD-END>                                   JUN-30-1998      
<CASH>                                           4,834          
<INT-BEARING-DEPOSITS>                             938          
<FED-FUNDS-SOLD>                                 6,330          
<TRADING-ASSETS>                                     0          
<INVESTMENTS-HELD-FOR-SALE>                     23,708          
<INVESTMENTS-CARRYING>                               0          
<INVESTMENTS-MARKET>                                 0          
<LOANS>                                        115,388          
<ALLOWANCE>                                        789          
<TOTAL-ASSETS>                                 158,539          
<DEPOSITS>                                     141,909          
<SHORT-TERM>                                     3,397          
<LIABILITIES-OTHER>                              1,694          
<LONG-TERM>                                          0          
<PREFERRED-MANDATORY>                                0          
<PREFERRED>                                          0          
<COMMON>                                            91          
<OTHER-SE>                                      11,449          
<TOTAL-LIABILITIES-AND-EQUITY>                 158,539          
<INTEREST-LOAN>                                  4,958          
<INTEREST-INVEST>                                  453          
<INTEREST-OTHER>                                   218          
<INTEREST-TOTAL>                                 5,629          
<INTEREST-DEPOSIT>                               2,970          
<INTEREST-EXPENSE>                               3,131          
<INTEREST-INCOME-NET>                            2,498          
<LOAN-LOSSES>                                      120          
<SECURITIES-GAINS>                                 135          
<EXPENSE-OTHER>                                  2,614          
<INCOME-PRETAX>                                    147          
<INCOME-PRE-EXTRAORDINARY>                         147          
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        95                                        
<EPS-PRIMARY>                                      .11          
<EPS-DILUTED>                                      .11
<YIELD-ACTUAL>                                    3.50          
<LOANS-NON>                                        553          
<LOANS-PAST>                                         0          
<LOANS-TROUBLED>                                     0          
<LOANS-PROBLEM>                                  1,073          
<ALLOWANCE-OPEN>                                   729          
<CHARGE-OFFS>                                        0          
<RECOVERIES>                                         0          
<ALLOWANCE-CLOSE>                                  789          
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>