<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
JUNE 30, 1998 QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY 
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.  THE AMOUNTS PRESENTED FOR [EPS-
PRIMARY] AND [EPS-DILUTED] IN THE TABLE REPRESENT THE CORPORATION'S BASIC AND 
DILUTED EARNINGS PER SHARE, RESPECTIVELY, FOR THE SIX MONTHS ENDED JUNE 30, 
1998.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          4,954
<INT-BEARING-DEPOSITS>                             63
<FED-FUNDS-SOLD>                                  866
<TRADING-ASSETS>                                  247
<INVESTMENTS-HELD-FOR-SALE>                    18,432
<INVESTMENTS-CARRYING>                            752
<INVESTMENTS-MARKET>                              773
<LOANS>                                        43,391
<ALLOWANCE>                                     1,262
<TOTAL-ASSETS>                                 93,153
<DEPOSITS>                                     56,795
<SHORT-TERM>                                   12,188
<LIABILITIES-OTHER>                             4,508
<LONG-TERM>                                    12,316
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                       186
<COMMON>                                        1,285
<OTHER-SE>                                      5,875
<TOTAL-LIABILITIES-AND-EQUITY>                 93,153
<INTEREST-LOAN>                                 2,384
<INTEREST-INVEST>                                 631
<INTEREST-OTHER>                                  554
<INTEREST-TOTAL>                                3,569
<INTEREST-DEPOSIT>                                739
<INTEREST-EXPENSE>                              1,421
<INTEREST-INCOME-NET>                           2,148
<LOAN-LOSSES>                                     264
<SECURITIES-GAINS>                                 42
<EXPENSE-OTHER>                                 2,535
<INCOME-PRETAX>                                 1,110
<INCOME-PRE-EXTRAORDINARY>                        750
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      750
<EPS-PRIMARY>                                     .98
<EPS-DILUTED>                                     .96
<YIELD-ACTUAL>                                   5.65
<LOANS-NON>                                       215
<LOANS-PAST>                                      165
<LOANS-TROUBLED>                                    1
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,234
<CHARGE-OFFS>                                     351
<RECOVERIES>                                       80
<ALLOWANCE-CLOSE>                               1,262
<ALLOWANCE-DOMESTIC>                              823
<ALLOWANCE-FOREIGN>                                72
<ALLOWANCE-UNALLOCATED>                           367