<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
REGISTRANT'S  JUNE 30, 1998  UNAUDITED  STATEMENT  OF  CONDITION,  STATEMENT  OF
OPERATION AND STATEMENT OF CASH FLOWS,  AND NOTES  THERETO,  AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

</LEGEND>
<MULTIPLIER>                                   1,000
<CURRENCY>                                     US
       
<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   JUN-30-1998
<EXCHANGE-RATE>                                1
<CASH>                                         21,942
<INT-BEARING-DEPOSITS>                         11,200
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    56,718
<INVESTMENTS-CARRYING>                         39,554
<INVESTMENTS-MARKET>                           39,895
<LOANS>                                        233,590
<ALLOWANCE>                                    3,659
<TOTAL-ASSETS>                                 369,199
<DEPOSITS>                                     305,101
<SHORT-TERM>                                   7,700
<LIABILITIES-OTHER>                            2,468
<LONG-TERM>                                    27,205
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       26
<OTHER-SE>                                     26,699
<TOTAL-LIABILITIES-AND-EQUITY>                 369,199
<INTEREST-LOAN>                                8,979
<INTEREST-INVEST>                              2,668
<INTEREST-OTHER>                               201
<INTEREST-TOTAL>                               11,484
<INTEREST-DEPOSIT>                             4,099
<INTEREST-EXPENSE>                             4,978
<INTEREST-INCOME-NET>                          6,870
<LOAN-LOSSES>                                  266
<SECURITIES-GAINS>                             51
<EXPENSE-OTHER>                                5,443
<INCOME-PRETAX>                                2,368
<INCOME-PRE-EXTRAORDINARY>                     1,482
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,482
<EPS-PRIMARY>                                  0.56
<EPS-DILUTED>                                  0.53
<YIELD-ACTUAL>                                 7.54
<LOANS-NON>                                    3,128
<LOANS-PAST>                                   88
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               3,537
<CHARGE-OFFS>                                  158
<RECOVERIES>                                   54
<ALLOWANCE-CLOSE>                              3,659
<ALLOWANCE-DOMESTIC>                           3,659
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        


</TABLE>