<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           5,989
<INT-BEARING-DEPOSITS>                           1,393
<FED-FUNDS-SOLD>                                 3,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     40,935
<INVESTMENTS-CARRYING>                         133,693
<INVESTMENTS-MARKET>                           134,097
<LOANS>                                        154,404
<ALLOWANCE>                                      1,269
<TOTAL-ASSETS>                                 351,347
<DEPOSITS>                                     228,769
<SHORT-TERM>                                    49,844
<LIABILITIES-OTHER>                              1,806
<LONG-TERM>                                     34,000 
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           304
<OTHER-SE>                                      36,624
<TOTAL-LIABILITIES-AND-EQUITY>                 351,347
<INTEREST-LOAN>                                  5,643
<INTEREST-INVEST>                                5,863
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                11,506
<INTEREST-DEPOSIT>                               5,190
<INTEREST-EXPENSE>                               7,286
<INTEREST-INCOME-NET>                            4,220
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,819
<INCOME-PRETAX>                                  1,446
<INCOME-PRE-EXTRAORDINARY>                         953
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       953
<EPS-PRIMARY>                                     0.43
<EPS-DILUTED>                                     0.41
<YIELD-ACTUAL>                                    2.55
<LOANS-NON>                                        801
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,403
<ALLOWANCE-OPEN>                                 1,160
<CHARGE-OFFS>                                       19
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,269
<ALLOWANCE-DOMESTIC>                             1,269
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,269
        


</TABLE>