<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 30,051 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 20,550 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,985 <INVESTMENTS-CARRYING> 118,707 <INVESTMENTS-MARKET> 124,142 <LOANS> 276,154 <ALLOWANCE> 3,776 <TOTAL-ASSETS> 469,015 <DEPOSITS> 406,094 <SHORT-TERM> 66 <LIABILITIES-OTHER> 5,265 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,512 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 469,015 <INTEREST-LOAN> 12,841 <INTEREST-INVEST> 3,311 <INTEREST-OTHER> 228 <INTEREST-TOTAL> 16,380 <INTEREST-DEPOSIT> 5,327 <INTEREST-EXPENSE> 5,460 <INTEREST-INCOME-NET> 10,921 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,370 <INCOME-PRETAX> 4,583 <INCOME-PRE-EXTRAORDINARY> 3,413 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,413 <EPS-PRIMARY> 1.36 <EPS-DILUTED> 1.36 <YIELD-ACTUAL> 5.450 <LOANS-NON> 0 <LOANS-PAST> 1,546 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,500 <CHARGE-OFFS> 45 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 3,776 <ALLOWANCE-DOMESTIC> 3,776 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0