<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