<ARTICLE> 9
<PERIOD-TYPE> 3-MOS 3-MOS 9-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-1998 DEC-31-1997 DEC-31-1998 DEC-31-1997
<PERIOD-END> JUN-30-1998 JUN-30-1997 JUN-30-1998 JUN-30-1997
<CASH> 11,859 14,820 11,859 14,820
<INT-BEARING-DEPOSITS> 0 0 0 0
<FED-FUNDS-SOLD> 1,100 0 1,100 0
<TRADING-ASSETS> 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 64,066 47,461 64,066 47,461
<INVESTMENTS-CARRYING> 23,999 33,214 23,999 33,214
<INVESTMENTS-MARKET> 0 0 0 0
<LOANS> 270,945 222,874 270,945 222,874
<ALLOWANCE> 3,438 2,596 3,438 2,596
<TOTAL-ASSETS> 394,438 333,020 394,438 333,020
<DEPOSITS> 308,385 262,851 308,385 262,851
<SHORT-TERM> 23,269 27,919 23,269 27,919
<LIABILITIES-OTHER> 7,439 3,164 7,439 3,164
<LONG-TERM> 18,395 7,521 18,395 7,521
<PREFERRED-MANDATORY> 0 0 0 0
<PREFERRED> 0 0 0 0
<COMMON> 799 746 799 746
<OTHER-SE> 36,187 30,819 36,187 30,819
<TOTAL-LIABILITIES-AND-EQUITY> 394,438 333,020 394,438 333,020
<INTEREST-LOAN> 6,385 5,306 12,115 10,192
<INTEREST-INVEST> 1,471 1,391 2,718 2,652
<INTEREST-OTHER> 68 15 162 73
<INTEREST-TOTAL> 7,924 6,712 14,995 12,917
<INTEREST-DEPOSIT> 3,258 2,753 6,339 5,442
<INTEREST-EXPENSE> 3,972 3,168 7,364 6,150
<INTEREST-INCOME-NET> 3,952 3,544 7,631 6,767
<LOAN-LOSSES> 308 201 518 361
<SECURITIES-GAINS> (35) 6 (9) 19
<EXPENSE-OTHER> 3,115 2,585 5,984 5,099
<INCOME-PRETAX> 1,620 1,644 3,296 3,194
<INCOME-PRE-EXTRAORDINARY> 1,078 1,097 2,186 2,112
<EXTRAORDINARY> 0 0 0 0
<CHANGES> 0 0 0 0
<NET-INCOME> 1,078 1,097 2,186 2,112
<EPS-PRIMARY> .35 .37 .71 .71
<EPS-DILUTED> .35 .37 .71 .71
<YIELD-ACTUAL> 4.39 4.67 4.24 4.46
<LOANS-NON> 316 1,097 316 1,097
<LOANS-PAST> 331 225 331 225
<LOANS-TROUBLED> 0 0 0 0
<LOANS-PROBLEM> 451 2,922 5,320 2,922
<ALLOWANCE-OPEN> 3,197 2,446 2,789 2,282
<CHARGE-OFFS> 146 79 394 118
<RECOVERIES> 79 38 155 71
<ALLOWANCE-CLOSE> 3,438 2,596 3,438 2,596
<ALLOWANCE-DOMESTIC> 3,438 2,596 3,438 2,596
<ALLOWANCE-FOREIGN> 0 0 0 0
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