<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS INCLUDED WITHIN THE COMPANY'S JUNE 30, 1998
FORM 10-Q 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>                                           8,452
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                16,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,191
<INVESTMENTS-CARRYING>                           6,157
<INVESTMENTS-MARKET>                             6,357
<LOANS>                                        215,688
<ALLOWANCE>                                      2,657
<TOTAL-ASSETS>                                 266,730
<DEPOSITS>                                     227,673
<SHORT-TERM>                                     9,919
<LIABILITIES-OTHER>                              3,321
<LONG-TERM>                                      7,475
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            14
<OTHER-SE>                                      18,328
<TOTAL-LIABILITIES-AND-EQUITY>                 266,730
<INTEREST-LOAN>                                  9,045
<INTEREST-INVEST>                                  542
<INTEREST-OTHER>                                   362
<INTEREST-TOTAL>                                 9,949
<INTEREST-DEPOSIT>                               4,195
<INTEREST-EXPENSE>                               4,767
<INTEREST-INCOME-NET>                            5,182
<LOAN-LOSSES>                                      250
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,763
<INCOME-PRETAX>                                  1,188
<INCOME-PRE-EXTRAORDINARY>                       1,188
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       765
<EPS-PRIMARY>                                      .53
<EPS-DILUTED>                                      .51
<YIELD-ACTUAL>                                    4.31
<LOANS-NON>                                      3,747
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,350
<ALLOWANCE-OPEN>                                 2,560
<CHARGE-OFFS>                                      177
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                2,657
<ALLOWANCE-DOMESTIC>                             2,657
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>