<ARTICLE> 9
<LEGEND>
THIS SCHEDULE OF FINANCIAL INFORMATION IS EXTRACTED FROM THE JUNE 30,1998
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          11,347
<INT-BEARING-DEPOSITS>                          15,908
<FED-FUNDS-SOLD>                                 7,420
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     88,515
<INVESTMENTS-CARRYING>                          60,673
<INVESTMENTS-MARKET>                            61,322
<LOANS>                                        230,973
<ALLOWANCE>                                      2,544
<TOTAL-ASSETS>                                 425,480
<DEPOSITS>                                     365,068
<SHORT-TERM>                                       478
<LIABILITIES-OTHER>                              4,240
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      46,212
<TOTAL-LIABILITIES-AND-EQUITY>                 425,480
<INTEREST-LOAN>                                 10,597
<INTEREST-INVEST>                                4,382
<INTEREST-OTHER>                                   515
<INTEREST-TOTAL>                                15,494
<INTEREST-DEPOSIT>                               6,748
<INTEREST-EXPENSE>                               6,754
<INTEREST-INCOME-NET>                            8,740
<LOAN-LOSSES>                                       94
<SECURITIES-GAINS>                                  85
<EXPENSE-OTHER>                                  5,546
<INCOME-PRETAX>                                  4,592
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,310
<EPS-PRIMARY>                                      .87
<EPS-DILUTED>                                      .87
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0