<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S 10-Q FOR PERIOD ENDING JUNE 30, 1998 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND THE NOTES THERETO.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       9,917,579
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            13,426,242
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 49,795,149
<INVESTMENTS-CARRYING>                      21,563,169
<INVESTMENTS-MARKET>                        21,708,356
<LOANS>                                    169,126,602
<ALLOWANCE>                                  2,857,332
<TOTAL-ASSETS>                             273,190,229
<DEPOSITS>                                 232,553,610
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,696,100
<LONG-TERM>                                  2,113,524
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,558,463
<OTHER-SE>                                  34,268,532
<TOTAL-LIABILITIES-AND-EQUITY>             273,190,229
<INTEREST-LOAN>                              9,150,691
<INTEREST-INVEST>                            2,108,986
<INTEREST-OTHER>                               325,889
<INTEREST-TOTAL>                            11,585,566
<INTEREST-DEPOSIT>                           4,676,964
<INTEREST-EXPENSE>                           4,746,822
<INTEREST-INCOME-NET>                        6,838,744
<LOAN-LOSSES>                                  413,518
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,009,454
<INCOME-PRETAX>                              3,550,041
<INCOME-PRE-EXTRAORDINARY>                   2,250,480
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,250,480
<EPS-PRIMARY>                                     1.45
<EPS-DILUTED>                                     1.45
<YIELD-ACTUAL>                                    1.05
<LOANS-NON>                                  1,256,848
<LOANS-PAST>                                   342,715
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,604,080
<CHARGE-OFFS>                                  295,856
<RECOVERIES>                                   135,590
<ALLOWANCE-CLOSE>                            2,857,332
<ALLOWANCE-DOMESTIC>                         2,857,332
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0