<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>                                              21,702
<INT-BEARING-DEPOSITS>                                 829
<FED-FUNDS-SOLD>                                     5,780
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         44,314
<INVESTMENTS-CARRYING>                              30,098
<INVESTMENTS-MARKET>                                30,972
<LOANS>                                            290,631
<ALLOWANCE>                                          4,439
<TOTAL-ASSETS>                                     416,515
<DEPOSITS>                                         372,726
<SHORT-TERM>                                           386
<LIABILITIES-OTHER>                                  6,803
<LONG-TERM>                                              0
<COMMON>                                             2,170
<PREFERRED-MANDATORY>                               10,622
<PREFERRED>                                              0
<OTHER-SE>                                          23,808
<TOTAL-LIABILITIES-AND-EQUITY>                     416,515
<INTEREST-LOAN>                                     14,033
<INTEREST-INVEST>                                    2,437
<INTEREST-OTHER>                                        18
<INTEREST-TOTAL>                                    16,488
<INTEREST-DEPOSIT>                                   7,603
<INTEREST-EXPENSE>                                   7,620
<INTEREST-INCOME-NET>                                8,868
<LOAN-LOSSES>                                          540
<SECURITIES-GAINS>                                      11
<EXPENSE-OTHER>                                      9,487
<INCOME-PRETAX>                                      4,477
<INCOME-PRE-EXTRAORDINARY>                           4,477
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         3,038
<EPS-PRIMARY>                                         1.40
<EPS-DILUTED>                                         1.38
<YIELD-ACTUAL>                                        2.39
<LOANS-NON>                                          1,158
<LOANS-PAST>                                           371
<LOANS-TROUBLED>                                       808
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     4,024
<CHARGE-OFFS>                                          206
<RECOVERIES>                                            81
<ALLOWANCE-CLOSE>                                    4,439
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              4,439
                                                          

</TABLE>