<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) ITEM 7 - "FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA" AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B) FINANCIAL STATEMENTS INCLUDED IN THIS REPORT AND INCORPORATED HEREIN BY REFERENCE. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> APR-1-1998 <PERIOD-END> JUN-30-1998 <CASH> 47,127 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 40,687 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 113,013 <INVESTMENTS-CARRYING> 18,085 <INVESTMENTS-MARKET> 18,202 <LOANS> 276,345 <ALLOWANCE> 4,228 <TOTAL-ASSETS> 501,880 <DEPOSITS> 450,803 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,891 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 41,168 <OTHER-SE> 6,018 <TOTAL-LIABILITIES-AND-EQUITY> 501,880 <INTEREST-LOAN> 6,669 <INTEREST-INVEST> 2,027 <INTEREST-OTHER> 585 <INTEREST-TOTAL> 9,281 <INTEREST-DEPOSIT> 3,415 <INTEREST-EXPENSE> 3,415 <INTEREST-INCOME-NET> 5,866 <LOAN-LOSSES> 24 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,458 <INCOME-PRETAX> 2,914 <INCOME-PRE-EXTRAORDINARY> 2,914 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,709 <EPS-PRIMARY> 0.35 <EPS-DILUTED> 0.32 <YIELD-ACTUAL> 5.3 <LOANS-NON> 950 <LOANS-PAST> 1,090 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,201 <CHARGE-OFFS> 21 <RECOVERIES> 24 <ALLOWANCE-CLOSE> 4,228 <ALLOWANCE-DOMESTIC> 4,228 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0