<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT  ON FORM  10-Q SB FOR THE  FISCAL  QUARTER  ENDED  JUNE  30,  1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>  1000
       
<S>                                                <C>                       <C>
<PERIOD-TYPE>                                            6-MOS                     6-MOS
<FISCAL-YEAR-END>                                  DEC-31-1998               DEC-31-1997
<PERIOD-END>                                       JUN-30-1998               JUN-30-1997
<CASH>                                                     980                     1,273
<INT-BEARING-DEPOSITS>                                       0                         0
<FED-FUNDS-SOLD>                                         5,600                     3,000
<TRADING-ASSETS>                                             0                         0
<INVESTMENTS-HELD-FOR-SALE>                              8,062                     6,031
<INVESTMENTS-CARRYING>                                  16,910                    32,547
<INVESTMENTS-MARKET>                                    16,992                    32,435
<LOANS>                                                141,222                   124,168
<ALLOWANCE>                                                855                       718
<TOTAL-ASSETS>                                         178,093                   172,849
<DEPOSITS>                                             152,879                   148,001
<SHORT-TERM>                                                 0                         0
<LIABILITIES-OTHER>                                      3,299                     3,294
<LONG-TERM>                                                  0                         0
<COMMON>                                                    15                        15
<PREFERRED-MANDATORY>                                        0                         0
<PREFERRED>                                                  0                         0
<OTHER-SE>                                              21,900                    21,539
<TOTAL-LIABILITIES-AND-EQUITY>                         178,093                   172,849
<INTEREST-LOAN>                                          5,325                     4,695
<INTEREST-INVEST>                                          961                     1,208
<INTEREST-OTHER>                                           105                       144
<INTEREST-TOTAL>                                         6,391                     6,047
<INTEREST-DEPOSIT>                                       3,460                     3,188
<INTEREST-EXPENSE>                                       3,460                     3,188
<INTEREST-INCOME-NET>                                    2,931                     2,859
<LOAN-LOSSES>                                               60                        60
<SECURITIES-GAINS>                                           0                         0
<EXPENSE-OTHER>                                          2,131                     2,150
<INCOME-PRETAX>                                            966                       817
<INCOME-PRE-EXTRAORDINARY>                                 966                       817
<EXTRAORDINARY>                                              0                         0
<CHANGES>                                                    0                         0
<NET-INCOME>                                               567                       493
<EPS-PRIMARY>                                              .52                       .44
<EPS-DILUTED>                                              .49                       .43
<YIELD-ACTUAL>                                            3.46                      3.52
<LOANS-NON>                                              1,161                     1,004
<LOANS-PAST>                                               191                        83
<LOANS-TROUBLED>                                             0                         0
<LOANS-PROBLEM>                                              0                         0
<ALLOWANCE-OPEN>                                           778                       642
<CHARGE-OFFS>                                               21                         2
<RECOVERIES>                                                38                        18
<ALLOWANCE-CLOSE>                                          855                       718
<ALLOWANCE-DOMESTIC>                                       489                       412
<ALLOWANCE-FOREIGN>                                          0                         0
<ALLOWANCE-UNALLOCATED>                                    366                       306
        

</TABLE>