<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
The schedule contains summary information extracted from the quarterly report on
Form 10-QSB for the quarter 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>                                                5383
<INT-BEARING-DEPOSITS>                                3233
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          10782
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             190547
<ALLOWANCE>                                           1532
<TOTAL-ASSETS>                                      218633
<DEPOSITS>                                          147456
<SHORT-TERM>                                         51500
<LIABILITIES-OTHER>                                   1128
<LONG-TERM>                                            173
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 9
<OTHER-SE>                                           18367
<TOTAL-LIABILITIES-AND-EQUITY>                      218633
<INTEREST-LOAN>                                       7771
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<INTEREST-DEPOSIT>                                    3242
<INTEREST-EXPENSE>                                    4743
<INTEREST-INCOME-NET>                                 3548
<LOAN-LOSSES>                                           54
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                       2646
<INCOME-PRETAX>                                       1542
<INCOME-PRE-EXTRAORDINARY>                            1542
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           914
<EPS-PRIMARY>                                         1.02
<EPS-DILUTED>                                         0.98
<YIELD-ACTUAL>                                        3.51
<LOANS-NON>                                           1215
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                      1400
<LOANS-PROBLEM>                                       1347
<ALLOWANCE-OPEN>                                      1478
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                     1532
<ALLOWANCE-DOMESTIC>                                  1532
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                168
                                               


</TABLE>