<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                    1,000
<CURRENCY>                                         US
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                                 DEC-31-1998
<PERIOD-START>                                    JAN-01-1998
<PERIOD-END>                                      JUN-30-1998
<EXCHANGE-RATE>                                          1 
<CASH>                                              14,468 
<INT-BEARING-DEPOSITS>                                   1 
<FED-FUNDS-SOLD>                                    11,050 
<TRADING-ASSETS>                                         0 
<INVESTMENTS-HELD-FOR-SALE>                         16,810 
<INVESTMENTS-CARRYING>                              32,127 
<INVESTMENTS-MARKET>                                32,319 
<LOANS>                                            150,445 
<ALLOWANCE>                                          1,185 
<TOTAL-ASSETS>                                     234,257 
<DEPOSITS>                                         215,566 
<SHORT-TERM>                                             0 
<LIABILITIES-OTHER>                                  2,043 
<LONG-TERM>                                              0 
<PREFERRED-MANDATORY>                                    0 
<PREFERRED>                                              0 
<COMMON>                                             6,412 
<OTHER-SE>                                          10,236 
<TOTAL-LIABILITIES-AND-EQUITY>                     234,257 
<INTEREST-LOAN>                                      6,429 
<INTEREST-INVEST>                                    1,341 
<INTEREST-OTHER>                                       172 
<INTEREST-TOTAL>                                     7,942 
<INTEREST-DEPOSIT>                                   3,144 
<INTEREST-EXPENSE>                                       7 
<INTEREST-INCOME-NET>                                4,791 
<LOAN-LOSSES>                                         (123)
<SECURITIES-GAINS>                                      43 
<EXPENSE-OTHER>                                      3,916 
<INCOME-PRETAX>                                      1,360 
<INCOME-PRE-EXTRAORDINARY>                           1,360 
<EXTRAORDINARY>                                          0 
<CHANGES>                                                0 
<NET-INCOME>                                         1,004 
<EPS-PRIMARY>                                         0.52 
<EPS-DILUTED>                                         0.51 
<YIELD-ACTUAL>                                        4.51 
<LOANS-NON>                                          1,370 
<LOANS-PAST>                                           148 
<LOANS-TROUBLED>                                         0 
<LOANS-PROBLEM>                                      1,372 
<ALLOWANCE-OPEN>                                     1,309 
<CHARGE-OFFS>                                           44 
<RECOVERIES>                                            43 
<ALLOWANCE-CLOSE>                                    1,185 
<ALLOWANCE-DOMESTIC>                                 1,185 
<ALLOWANCE-FOREIGN>                                      0 
<ALLOWANCE-UNALLOCATED>                                942 
                                                      


</TABLE>