WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>



                   Appendix C to Item 601(c) of Regulation S-K
                    (ARTICLE 9 OF REGULATION S-X BANK HOLDING
                 COMPANIES AND SAVINGS & LOAN HOLDING COMPANIES)


<ARTICLE>             9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANTS INTERIM FINANCIAL STATEMENTS AT AND FOR THE PERIOD ENDED
JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER>                  1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                           DEC-31-1998
<PERIOD-END>                                JUN-30-1998
<CASH>                                            3,697
<INT-BEARING-DEPOSITS>                                2
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      87,611
<INVESTMENTS-CARRYING>                           69,687
<INVESTMENTS-MARKET>                             69,687
<LOANS>                                         129,936
<ALLOWANCE>                                       3,207
<TOTAL-ASSETS>                                  300,755
<DEPOSITS>                                      224,170
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                                 601
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                         30,845
<OTHER-SE>                                        4,040
<TOTAL-LIABILITIES-AND-EQUITY>                  300,755
<INTEREST-LOAN>                                   5,245
<INTEREST-INVEST>                                 5,497
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                 10,649
<INTEREST-DEPOSIT>                                4,892
<INTEREST-EXPENSE>                                6,074
<INTEREST-INCOME-NET>                             4,575
<LOAN-LOSSES>                                       150
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   2,995
<INCOME-PRETAX>                                   1,620
<INCOME-PRE-EXTRAORDINARY>                        1,620
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,069
<EPS-PRIMARY>                                       .46
<EPS-DILUTED>                                       .44
<YIELD-ACTUAL>                                     7.29
<LOANS-NON>                                       2,335
<LOANS-PAST>                                      2,335
<LOANS-TROUBLED>                                    547
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  3,061
<CHARGE-OFFS>                                         4
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                 3,207
<ALLOWANCE-DOMESTIC>                              3,207
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
        


</TABLE>