<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 10,100 <INT-BEARING-DEPOSITS> 286 <FED-FUNDS-SOLD> 10,650 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 14,009 <INVESTMENTS-CARRYING> 16,549 <INVESTMENTS-MARKET> 16,556 <LOANS> 103,128 <ALLOWANCE> 1,026 <TOTAL-ASSETS> 158,920 <DEPOSITS> 144,186 <SHORT-TERM> 750 <LIABILITIES-OTHER> 1,153 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,400 <OTHER-SE> 2,431 <TOTAL-LIABILITIES-AND-EQUITY> 158,920 <INTEREST-LOAN> 5,002 <INTEREST-INVEST> 1,065 <INTEREST-OTHER> 216 <INTEREST-TOTAL> 6,283 <INTEREST-DEPOSIT> 2,212 <INTEREST-EXPENSE> 2,223 <INTEREST-INCOME-NET> 4,060 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,321 <INCOME-PRETAX> 1,235 <INCOME-PRE-EXTRAORDINARY> 1,235 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 727 <EPS-PRIMARY> .53 <EPS-DILUTED> .49 <YIELD-ACTUAL> 9.29 <LOANS-NON> 563 <LOANS-PAST> 58 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,007 <CHARGE-OFFS> 17 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 1,026 <ALLOWANCE-DOMESTIC> 879 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 147