<TABLE> <S> <C>

<ARTICLE>                      9
       
<S>                                                 <C>
<PERIOD-TYPE>                                       6-MOS
<FISCAL-YEAR-END>                                        DEC-31-1998
<PERIOD-END>                                             JUN-30-1998
<CASH>                                                     2,338,000
<INT-BEARING-DEPOSITS>                                     2,443,000
<FED-FUNDS-SOLD>                                                   0
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                               23,247,000
<INVESTMENTS-CARRYING>                                     3,453,000
<INVESTMENTS-MARKET>                                       3,455,000
<LOANS>                                                   76,379,000
<ALLOWANCE>                                                  764,000
<TOTAL-ASSETS>                                           111,715,000
<DEPOSITS>                                                97,816,000
<SHORT-TERM>                                                 200,000
<LIABILITIES-OTHER>                                          631,000
<LONG-TERM>                                                   74,000
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                     598,000
<OTHER-SE>                                                12,396,000
<TOTAL-LIABILITIES-AND-EQUITY>                           111,715,000
<INTEREST-LOAN>                                            1,681,000
<INTEREST-INVEST>                                            421,000
<INTEREST-OTHER>                                                   0
<INTEREST-TOTAL>                                           2,102,000
<INTEREST-DEPOSIT>                                         1,086,000
<INTEREST-EXPENSE>                                         1,086,000
<INTEREST-INCOME-NET>                                      1,016,000
<LOAN-LOSSES>                                                 39,000
<SECURITIES-GAINS>                                             8,000
<EXPENSE-OTHER>                                              136,000
<INCOME-PRETAX>                                              460,000
<INCOME-PRE-EXTRAORDINARY>                                   460,000
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                 285,000
<EPS-PRIMARY>                                                   0.16
<EPS-DILUTED>                                                   0.16
<YIELD-ACTUAL>                                                  8.20
<LOANS-NON>                                                  693,000
<LOANS-PAST>                                                       0
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                              322,000
<ALLOWANCE-OPEN>                                             770,000
<CHARGE-OFFS>                                                 85,000
<RECOVERIES>                                                   3,000
<ALLOWANCE-CLOSE>                                            764,000
<ALLOWANCE-DOMESTIC>                                         764,000
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0
        

</TABLE>