<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           11554
<INT-BEARING-DEPOSITS>                             114
<FED-FUNDS-SOLD>                                 14561
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      28446
<INVESTMENTS-CARRYING>                           33097
<INVESTMENTS-MARKET>                             33184
<LOANS>                                         255888
<ALLOWANCE>                                       2504
<TOTAL-ASSETS>                                  350922
<DEPOSITS>                                      304652
<SHORT-TERM>                                     11552
<LIABILITIES-OTHER>                               1674
<LONG-TERM>                                       7000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         26044
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                  350922
<INTEREST-LOAN>                                  10131
<INTEREST-INVEST>                                 1826
<INTEREST-OTHER>                                   149
<INTEREST-TOTAL>                                 12106
<INTEREST-DEPOSIT>                                5315
<INTEREST-EXPENSE>                                5561
<INTEREST-INCOME-NET>                             6545
<LOAN-LOSSES>                                       19
<SECURITIES-GAINS>                                 139
<EXPENSE-OTHER>                                   4913
<INCOME-PRETAX>                                   2819
<INCOME-PRE-EXTRAORDINARY>                        2819
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1724
<EPS-PRIMARY>                                     0.46
<EPS-DILUTED>                                     0.45
<YIELD-ACTUAL>                                    4.30
<LOANS-NON>                                        317
<LOANS-PAST>                                       175
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    492
<ALLOWANCE-OPEN>                                  2848
<CHARGE-OFFS>                                      411
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                 2504
<ALLOWANCE-DOMESTIC>                              2504
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0