<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-START>                                                       JAN-01-1998
<PERIOD-END>                                                         JUN-30-1998
<CASH>                                                                     4,000
<INT-BEARING-DEPOSITS>                                                    91,189
<FED-FUNDS-SOLD>                                                           6,550
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               27,071
<INVESTMENTS-CARRYING>                                                     3,950
<INVESTMENTS-MARKET>                                                       4,101
<LOANS>                                                                   75,509
<ALLOWANCE>                                                                  982
<TOTAL-ASSETS>                                                           122,284
<DEPOSITS>                                                               105,505
<SHORT-TERM>                                                               3,613
<LIABILITIES-OTHER>                                                           74
<LONG-TERM>                                                                2,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   2,832
<OTHER-SE>                                                                 7,334
<TOTAL-LIABILITIES-AND-EQUITY>                                           122,284
<INTEREST-LOAN>                                                            3,492
<INTEREST-INVEST>                                                            721
<INTEREST-OTHER>                                                             199
<INTEREST-TOTAL>                                                           4,501
<INTEREST-DEPOSIT>                                                         2,064
<INTEREST-EXPENSE>                                                         2,198
<INTEREST-INCOME-NET>                                                      2,303
<LOAN-LOSSES>                                                                  2
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            1,843
<INCOME-PRETAX>                                                            1,127
<INCOME-PRE-EXTRAORDINARY>                                                   755
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 755
<EPS-PRIMARY>                                                               0.45
<EPS-DILUTED>                                                               0.41
<YIELD-ACTUAL>                                                              4.12
<LOANS-NON>                                                                  497
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                             219
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             987
<CHARGE-OFFS>                                                                 45
<RECOVERIES>                                                                  38
<ALLOWANCE-CLOSE>                                                            982
<ALLOWANCE-DOMESTIC>                                                         982
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0
        

</TABLE>