<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CURRENT
REPORT ON FORM 10Q FOR THE SIX MONTHS ENDED JUNE 30, 1998 IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK>               0001011309
<NAME>  UNITED FINANCIAL COPR.
<MULTIPLIER>                                 1000
<CURRENCY>                             US DOLLARS
       
                        
<PERIOD-TYPE>              6-MOS
<FISCAL-YEAR-END>                     DEC-31-1998
<PERIOD-END>                          JUN-30-1998
<EXCHANGE-RATE>                                 1
<CASH>                                      6,209
<INT-BEARING-DEPOSITS>                      2,505
<FED-FUNDS-SOLD>                                0
<TRADING-ASSETS>                                0
<INVESTMENTS-HELD-FOR-SALE>                     0
<INVESTMENTS-CARRYING>                     58,116
<INVESTMENTS-MARKET>                       58,336
<LOANS>                                   126,513
<ALLOWANCE>                                 1,344
<TOTAL-ASSETS>                            205,345
<DEPOSITS>                                145,783
<SHORT-TERM>                               27,211
<LIABILITIES-OTHER>                         2,074
<LONG-TERM>                                     0
<PREFERRED-MANDATORY>                           0
<PREFERRED>                                     0
<COMMON>                                   28,002
<OTHER-SE>                                  2,275
<TOTAL-LIABILITIES-AND-EQUITY>            205,345
<INTEREST-LOAN>                             4,492
<INTEREST-INVEST>                           1,479
<INTEREST-OTHER>                              341
<INTEREST-TOTAL>                            6,312
<INTEREST-DEPOSIT>                          2,770
<INTEREST-EXPENSE>                          3,222
<INTEREST-INCOME-NET>                       3,090
<LOAN-LOSSES>                                 220
<SECURITIES-GAINS>                             12
<EXPENSE-OTHER>                             2,541
<INCOME-PRETAX>                             1,739
<INCOME-PRE-EXTRAORDINARY>                  1,739
<EXTRAORDINARY>                                 0
<CHANGES>                                       0
<NET-INCOME>                                1,069
<EPS-PRIMARY>                                 .72
<EPS-DILUTED>                                 .72
<YIELD-ACTUAL>                               3.30
<LOANS-NON>                                    65
<LOANS-PAST>                                  355
<LOANS-TROUBLED>                                0
<LOANS-PROBLEM>                                 0
<ALLOWANCE-OPEN>                              846
<CHARGE-OFFS>                                  23
<RECOVERIES>                                    2
<ALLOWANCE-CLOSE>                           1,344
<ALLOWANCE-DOMESTIC>                        1,344
<ALLOWANCE-FOREIGN>                             0
<ALLOWANCE-UNALLOCATED>                         0