<TABLE> <S> <C>


<ARTICLE>                                                        9            
<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>                                                        1,715
<INT-BEARING-DEPOSITS>                                        1,454
<FED-FUNDS-SOLD>                                                700
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                   3,689
<INVESTMENTS-CARRYING>                                        7,277
<INVESTMENTS-MARKET>                                          7,182
<LOANS>                                                     114,208
<ALLOWANCE>                                                   1,192
<TOTAL-ASSETS>                                              135,683
<DEPOSITS>                                                  110,453
<SHORT-TERM>                                                      0
<LIABILITIES-OTHER>                                           1,740
<LONG-TERM>                                                   5,000
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                          0
<OTHER-SE>                                                   18,490
<TOTAL-LIABILITIES-AND-EQUITY>                              135,683
<INTEREST-LOAN>                                               4,576
<INTEREST-INVEST>                                               353
<INTEREST-OTHER>                                                128
<INTEREST-TOTAL>                                              5,057
<INTEREST-DEPOSIT>                                            2,346
<INTEREST-EXPENSE>                                            2,402
<INTEREST-INCOME-NET>                                         2,655
<LOAN-LOSSES>                                                   150
<SECURITIES-GAINS>                                                0
<EXPENSE-OTHER>                                               1,997
<INCOME-PRETAX>                                               1,046
<INCOME-PRE-EXTRAORDINARY>                                      634
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                    634
<EPS-PRIMARY>                                                   .57
<EPS-DILUTED>                                                   .56
<YIELD-ACTUAL>                                                 4.03
<LOANS-NON>                                                     671
<LOANS-PAST>                                                      0
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                              1,160
<CHARGE-OFFS>                                                   184
<RECOVERIES>                                                     66
<ALLOWANCE-CLOSE>                                             1,192
<ALLOWANCE-DOMESTIC>                                             12
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                       1,180
        


</TABLE>