<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 2,483 <INT-BEARING-DEPOSITS> 78 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28,773 <INVESTMENTS-CARRYING> 28,773 <INVESTMENTS-MARKET> 28,773 <LOANS> 142,836 <ALLOWANCE> 1,518 <TOTAL-ASSETS> 190,641 <DEPOSITS> 169,320 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,763 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 19,358 <TOTAL-LIABILITIES-AND-EQUITY> 190,641 <INTEREST-LOAN> 6,233 <INTEREST-INVEST> 1,077 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,310 <INTEREST-DEPOSIT> 3,692 <INTEREST-EXPENSE> 3,707 <INTEREST-INCOME-NET> 3,603 <LOAN-LOSSES> 240 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,799 <INCOME-PRETAX> 1,413 <INCOME-PRE-EXTRAORDINARY> 1,413 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 923 <EPS-PRIMARY> 1.23 <EPS-DILUTED> 1.23 <YIELD-ACTUAL> 9.03 <LOANS-NON> 1,169 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,279 <ALLOWANCE-OPEN> 1,402 <CHARGE-OFFS> 252 <RECOVERIES> 128 <ALLOWANCE-CLOSE> 1,518 <ALLOWANCE-DOMESTIC> 1,518 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0