<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       2,284,635
<INT-BEARING-DEPOSITS>                         478,676
<FED-FUNDS-SOLD>                             5,001,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 14,308,339
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     58,281,935
<ALLOWANCE>                                    720,080
<TOTAL-ASSETS>                              83,781,462
<DEPOSITS>                                  72,572,854
<SHORT-TERM>                                   371,407
<LIABILITIES-OTHER>                          1,273,065
<LONG-TERM>                                    605,919
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       270,500
<OTHER-SE>                                   8,687,717
<TOTAL-LIABILITIES-AND-EQUITY>              83,781,462
<INTEREST-LOAN>                              2,677,644
<INTEREST-INVEST>                              434,062
<INTEREST-OTHER>                               102,758
<INTEREST-TOTAL>                             3,214,464
<INTEREST-DEPOSIT>                           1,538,739
<INTEREST-EXPENSE>                           1,566,810
<INTEREST-INCOME-NET>                        1,647,654
<LOAN-LOSSES>                                   75,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,395,255
<INCOME-PRETAX>                                780,989
<INCOME-PRE-EXTRAORDINARY>                     780,989
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   544,509
<EPS-PRIMARY>                                     2.24
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.24
<LOANS-NON>                                    217,000
<LOANS-PAST>                                    44,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               677,101
<CHARGE-OFFS>                                   44,000
<RECOVERIES>                                    12,000
<ALLOWANCE-CLOSE>                              720,080
<ALLOWANCE-DOMESTIC>                            37,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        683,080