<TABLE> <S> <C>


<ARTICLE> 9
       
<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>                                            1560                    3510
<INT-BEARING-DEPOSITS>                              40                      38
<FED-FUNDS-SOLD>                                 30500                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      30684                   31668
<INVESTMENTS-CARRYING>                           30715                   29252
<INVESTMENTS-MARKET>                             27567                   28772
<LOANS>                                          58060                   57488
<ALLOWANCE>                                       1275                     800
<TOTAL-ASSETS>                                  155869                  127785
<DEPOSITS>                                      125075                  105497
<SHORT-TERM>                                      6000                    8000
<LIABILITIES-OTHER>                               1077                    1103
<LONG-TERM>                                      13749                    3749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                    1547
<COMMON>                                          2051                    2051
<OTHER-SE>                                        9968                    5835
<TOTAL-LIABILITIES-AND-EQUITY>                  155869                  127785
<INTEREST-LOAN>                                   2599                    2535
<INTEREST-INVEST>                                 2146                    2198
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  4745                    4733
<INTEREST-DEPOSIT>                                1926                    1924
<INTEREST-EXPENSE>                                 336                     207
<INTEREST-INCOME-NET>                             2483                    2602
<LOAN-LOSSES>                                      497                      50
<SECURITIES-GAINS>                                   9                      40
<EXPENSE-OTHER>                                   2431                    2389
<INCOME-PRETAX>                                    249                     792
<INCOME-PRE-EXTRAORDINARY>                         241                     792
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       198                     505
<EPS-PRIMARY>                                     1.51                    4.04
<EPS-DILUTED>                                     1.38                    3.65
<YIELD-ACTUAL>                                    3.53                    4.09
<LOANS-NON>                                        994                     711
<LOANS-PAST>                                      3718                    2371
<LOANS-TROUBLED>                                  1799                     231
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   825                     750
<CHARGE-OFFS>                                      100                      29
<RECOVERIES>                                        53                      29
<ALLOWANCE-CLOSE>                                 1275                     800
<ALLOWANCE-DOMESTIC>                              1246                     683
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             29                     117
        


</TABLE>