<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           4,922
<INT-BEARING-DEPOSITS>                           7,423
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     21,458
<INVESTMENTS-CARRYING>                          62,117
<INVESTMENTS-MARKET>                            62,781
<LOANS>                                        193,681
<ALLOWANCE>                                      2,213
<TOTAL-ASSETS>                                 299,538
<DEPOSITS>                                     262,848
<SHORT-TERM>                                     3,622
<LIABILITIES-OTHER>                              2,949
<LONG-TERM>                                      3,280
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,747
<OTHER-SE>                                      24,092
<TOTAL-LIABILITIES-AND-EQUITY>                 299,538
<INTEREST-LOAN>                                  8,647
<INTEREST-INVEST>                                2,582
<INTEREST-OTHER>                                   131
<INTEREST-TOTAL>                                11,359
<INTEREST-DEPOSIT>                               5,654
<INTEREST-EXPENSE>                               5,872
<INTEREST-INCOME-NET>                            5,487
<LOAN-LOSSES>                                      105
<SECURITIES-GAINS>                                 112
<EXPENSE-OTHER>                                  3,987
<INCOME-PRETAX>                                  2,465
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,762
<EPS-PRIMARY>                                     0.64
<EPS-DILUTED>                                     0.64
<YIELD-ACTUAL>                                    4.09
<LOANS-NON>                                      1,685
<LOANS-PAST>                                       137
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,138
<CHARGE-OFFS>                                       45
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                2,213
<ALLOWANCE-DOMESTIC>                             1,495
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            718