<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
       

<S>                                            <C>          <C>
<PERIOD-TYPE>                                  YEAR         YEAR
<FISCAL-YEAR-END>                              DEC-31-1998  DEC-31-1997
<PERIOD-END>                                   JUN-30-1998  JUN-30-1997
<CASH>                                              21,227       20,764
<INT-BEARING-DEPOSITS>                               1,106        1,089
<FED-FUNDS-SOLD>                                     4,800        5,600
<TRADING-ASSETS>                                         0            0
<INVESTMENTS-HELD-FOR-SALE>                        129,804      106,975
<INVESTMENTS-CARRYING>                              28,221       27,235
<INVESTMENTS-MARKET>                                28,284       27,057
<LOANS>                                            366,878      320,875
<ALLOWANCE>                                          5,538        5,501
<TOTAL-ASSETS>                                     565,561      492,275
<DEPOSITS>                                         504,754      453,861
<SHORT-TERM>                                        20,915        3,955
<LIABILITIES-OTHER>                                  3,733        3,115
<LONG-TERM>                                            210          210
<PREFERRED-MANDATORY>                                    0            0
<PREFERRED>                                              0            0
<COMMON>                                             3,611        3,581
<OTHER-SE>                                          32,338       27,553
<TOTAL-LIABILITIES-AND-EQUITY>                     565,561      492,275
<INTEREST-LOAN>                                     15,027       13,645
<INTEREST-INVEST>                                    4,932        3,983
<INTEREST-OTHER>                                       292          207
<INTEREST-TOTAL>                                    20,251       17,835
<INTEREST-DEPOSIT>                                   8,849        7,858
<INTEREST-EXPENSE>                                   9,254        7,920
<INTEREST-INCOME-NET>                               10,997        9,915
<LOAN-LOSSES>                                          150            0
<SECURITIES-GAINS>                                      11            0
<EXPENSE-OTHER>                                      9,558        8,640
<INCOME-PRETAX>                                      3,242        2,916
<INCOME-PRE-EXTRAORDINARY>                           2,332        1,977
<EXTRAORDINARY>                                          0            0
<CHANGES>                                                0            0
<NET-INCOME>                                         2,332        1,977
<EPS-PRIMARY>                                         0.65         0.55
<EPS-DILUTED>                                         0.61         0.53
<YIELD-ACTUAL>                                        4.30         4.54
<LOANS-NON>                                          1,267        2,244
<LOANS-PAST>                                         1,051          388
<LOANS-TROUBLED>                                         0            0
<LOANS-PROBLEM>                                          0            0
<ALLOWANCE-OPEN>                                     5,580        5,501
<CHARGE-OFFS>                                          354          328
<RECOVERIES>                                           162          133
<ALLOWANCE-CLOSE>                                    5,538        5,696
<ALLOWANCE-DOMESTIC>                                 5,538        5,501
<ALLOWANCE-FOREIGN>                                      0            0
<ALLOWANCE-UNALLOCATED>                                  0            0
        

</TABLE>