<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         $14,520
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                15,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     59,557
<INVESTMENTS-CARRYING>                          50,437
<INVESTMENTS-MARKET>                            50,878
<LOANS>                                        238,390
<ALLOWANCE>                                      1,916
<TOTAL-ASSETS>                                 386,417
<DEPOSITS>                                     340,464
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                              2,469
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      32,705
<TOTAL-LIABILITIES-AND-EQUITY>                 386,417
<INTEREST-LOAN>                                 10,390
<INTEREST-INVEST>                                3,410
<INTEREST-OTHER>                                   308
<INTEREST-TOTAL>                                14,108
<INTEREST-DEPOSIT>                               6,775
<INTEREST-EXPENSE>                               6,951
<INTEREST-INCOME-NET>                            7,157
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,536
<INCOME-PRETAX>                                  3,416
<INCOME-PRE-EXTRAORDINARY>                       2,291
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,291
<EPS-PRIMARY>                                      .54
<EPS-DILUTED>                                      .54
<YIELD-ACTUAL>                                    4.08
<LOANS-NON>                                        711
<LOANS-PAST>                                     3,918
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,842
<CHARGE-OFFS>                                      261
<RECOVERIES>                                       110
<ALLOWANCE-CLOSE>                                1,916
<ALLOWANCE-DOMESTIC>                             1,916
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            293
        

</TABLE>