<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>

EX-27
FINANCIAL DATA SCHEDULE

This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1998  (unaudited)  and the  Consolidated
Statement of Operation for the Six Months Ended June 30, 1998 (unaudited) and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                         1
       
<S>                                  <C>  
<PERIOD-TYPE>                        6-MOS
<FISCAL-YEAR-END>                                               DEC-31-1998
<PERIOD-END>                                                    JUN-30-1998
<CASH>                                                            9,856,957
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                  8,990,000
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                      35,925,525
<INVESTMENTS-CARRYING>                                           12,816,059
<INVESTMENTS-MARKET>                                             12,891,101
<LOANS>                                                         152,014,670
<ALLOWANCE>                                                       1,975,390
<TOTAL-ASSETS>                                                  221,088,487
<DEPOSITS>                                                      195,661,410
<SHORT-TERM>                                                      4,275,275
<LIABILITIES-OTHER>                                               1,479,243
<LONG-TERM>                                                       2,100,000
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                         13,829,687
<OTHER-SE>                                                        3,742,872
<TOTAL-LIABILITIES-AND-EQUITY>                                  221,088,487
<INTEREST-LOAN>                                                   6,737,508
<INTEREST-INVEST>                                                 1,274,159
<INTEREST-OTHER>                                                    294,115
<INTEREST-TOTAL>                                                  8,305,782
<INTEREST-DEPOSIT>                                                3,725,473
<INTEREST-EXPENSE>                                                3,903,249
<INTEREST-INCOME-NET>                                             4,402,533
<LOAN-LOSSES>                                                       425,000
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                   3,121,961
<INCOME-PRETAX>                                                   2,045,922
<INCOME-PRE-EXTRAORDINARY>                                        1,422,723
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                      1,422,723
<EPS-PRIMARY>                                                           .61
<EPS-DILUTED>                                                           .57
<YIELD-ACTUAL>                                                         4.30
<LOANS-NON>                                                          88,368
<LOANS-PAST>                                                        133,321
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                  1,805,860
<CHARGE-OFFS>                                                       264,702
<RECOVERIES>                                                          9,232
<ALLOWANCE-CLOSE>                                                 1,975,390
<ALLOWANCE-DOMESTIC>                                              1,796,336
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                             179,054
                                                             

</TABLE>