<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-31-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                           4,253
<INT-BEARING-DEPOSITS>                          76,956
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    121,276
<INVESTMENTS-CARRYING>                          32,516
<INVESTMENTS-MARKET>                            33,154
<LOANS>                                         95,884
<ALLOWANCE>                                        758
<TOTAL-ASSETS>                                 343,956
<DEPOSITS>                                     249,500
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            289,931
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           162
<OTHER-SE>                                      29,363
<TOTAL-LIABILITIES-AND-EQUITY>                 343,956
<INTEREST-LOAN>                                  4,271
<INTEREST-INVEST>                                5,540
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,811
<INTEREST-DEPOSIT>                               5,175
<INTEREST-EXPENSE>                                 229
<INTEREST-INCOME-NET>                            4,407
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,266
<INCOME-PRETAX>                                  1,375
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       861
<EPS-PRIMARY>                                     0.53
<EPS-DILUTED>                                     0.52
<YIELD-ACTUAL>                                    6.93
<LOANS-NON>                                        609
<LOANS-PAST>                                     1,140
<LOANS-TROUBLED>                                   161
<LOANS-PROBLEM>                                  2,542
<ALLOWANCE-OPEN>                                   783
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  758
<ALLOWANCE-DOMESTIC>                               758
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            290
        


</TABLE>