<ARTICLE>                  9
<MULTIPLIER>               1,000
       
                                                
<PERIOD-TYPE>                                      6-MOS
<FISCAL-YEAR-END>                                  DEC-31-1998
<PERIOD-START>                                     JAN-01-1998
<PERIOD-END>                                       DEC-31-1998
<CASH>                                                       5,095
<INT-BEARING-DEPOSITS>                                          75
<FED-FUNDS-SOLD>                                             4,743
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 47,150
<INVESTMENTS-CARRYING>                                         318
<INVESTMENTS-MARKET>                                           318
<LOANS>                                                    123,225
<ALLOWANCE>                                                  1,157
<TOTAL-ASSETS>                                             186,052
<DEPOSITS>                                                 150,289
<SHORT-TERM>                                                     0
<LIABILITIES-OTHER>                                          1,226
<LONG-TERM>                                                 17,743
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                     3,930
<OTHER-SE>                                                  12,864
<TOTAL-LIABILITIES-AND-EQUITY>                             186,052
<INTEREST-LOAN>                                              5,270
<INTEREST-INVEST>                                            1,282
<INTEREST-OTHER>                                                47
<INTEREST-TOTAL>                                             6,599
<INTEREST-DEPOSIT>                                           2,962
<INTEREST-EXPENSE>                                           3,352
<INTEREST-INCOME-NET>                                        3,247
<LOAN-LOSSES>                                                  138
<SECURITIES-GAINS>                                             136
<EXPENSE-OTHER>                                              2,559
<INCOME-PRETAX>                                              1,283
<INCOME-PRE-EXTRAORDINARY>                                   1,283
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                   882
<EPS-PRIMARY>                                                 1.12
<EPS-DILUTED>                                                 1.12
<YIELD-ACTUAL>                                                8.21
<LOANS-NON>                                                     74
<LOANS-PAST>                                                   207
<LOANS-TROUBLED>                                                37
<LOANS-PROBLEM>                                              1,410
<ALLOWANCE-OPEN>                                             1,112
<CHARGE-OFFS>                                                  102
<RECOVERIES>                                                     9
<ALLOWANCE-CLOSE>                                            1,157
<ALLOWANCE-DOMESTIC>                                         1,157
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0