<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