<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 6540 <INT-BEARING-DEPOSITS> 1589 <FED-FUNDS-SOLD> 14200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 11944 <INVESTMENTS-CARRYING> 28780 <INVESTMENTS-MARKET> 29047 <LOANS> 63738 <ALLOWANCE> 698 <TOTAL-ASSETS> 131070 <DEPOSITS> 92419 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1376 <LONG-TERM> 22873 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4725 <OTHER-SE> 9677 <TOTAL-LIABILITIES-AND-EQUITY> 131070 <INTEREST-LOAN> 3094 <INTEREST-INVEST> 1446 <INTEREST-OTHER> 293 <INTEREST-TOTAL> 4833 <INTEREST-DEPOSIT> 1443 <INTEREST-EXPENSE> 2148 <INTEREST-INCOME-NET> 2685 <LOAN-LOSSES> 102 <SECURITIES-GAINS> 59 <EXPENSE-OTHER> 1505 <INCOME-PRETAX> 1370 <INCOME-PRE-EXTRAORDINARY> 850 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 850 <EPS-PRIMARY> 0.52 <EPS-DILUTED> 0.47 <YIELD-ACTUAL> 4.5 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 310 <ALLOWANCE-OPEN> 578 <CHARGE-OFFS> 14 <RECOVERIES> 32 <ALLOWANCE-CLOSE> 698 <ALLOWANCE-DOMESTIC> 238 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 460