<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1998,  (unaudited) and the  Consolidated
Statement of Income for the six months ended June 30, 1998,  (unaudited)  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>                                                                   2,696
<INT-BEARING-DEPOSITS>                                                       0
<FED-FUNDS-SOLD>                                                         6,310
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                             40,001
<INVESTMENTS-CARRYING>                                                       0
<INVESTMENTS-MARKET>                                                         0
<LOANS>                                                                 68,655
<ALLOWANCE>                                                              1,006
<TOTAL-ASSETS>                                                         119,952
<DEPOSITS>                                                             106,308
<SHORT-TERM>                                                                 0
<LIABILITIES-OTHER>                                                        919
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                10,509
<OTHER-SE>                                                               2,216
<TOTAL-LIABILITIES-AND-EQUITY>                                         119,952
<INTEREST-LOAN>                                                          3,020
<INTEREST-INVEST>                                                          830
<INTEREST-OTHER>                                                           548
<INTEREST-TOTAL>                                                         4,398
<INTEREST-DEPOSIT>                                                       2,207
<INTEREST-EXPENSE>                                                       2,207
<INTEREST-INCOME-NET>                                                    2,191
<LOAN-LOSSES>                                                              125
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          1,004
<INCOME-PRETAX>                                                          1,334
<INCOME-PRE-EXTRAORDINARY>                                                 859
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                               859
<EPS-PRIMARY>                                                              .48
<EPS-DILUTED>                                                              .46
<YIELD-ACTUAL>                                                            3.84
<LOANS-NON>                                                                109
<LOANS-PAST>                                                                12
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                            460
<ALLOWANCE-OPEN>                                                           890
<CHARGE-OFFS>                                                               28
<RECOVERIES>                                                                19
<ALLOWANCE-CLOSE>                                                        1,006
<ALLOWANCE-DOMESTIC>                                                     1,006
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0
        

</TABLE>