<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 8,388 <INT-BEARING-DEPOSITS> 1,237 <FED-FUNDS-SOLD> 8,726 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 38,902 <INVESTMENTS-CARRYING> 6,635 <INVESTMENTS-MARKET> 6,541 <LOANS> 103,996 <ALLOWANCE> (1,074) <TOTAL-ASSETS> 171,091 <DEPOSITS> 154,888 <SHORT-TERM> 0 <LIABILITIES-OTHER> 927 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 15,560 <TOTAL-LIABILITIES-AND-EQUITY> 171,091 <INTEREST-LOAN> 4,275 <INTEREST-INVEST> 1,210 <INTEREST-OTHER> 304 <INTEREST-TOTAL> 5,789 <INTEREST-DEPOSIT> 2,762 <INTEREST-EXPENSE> 2,762 <INTEREST-INCOME-NET> 3,027 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 198 <EXPENSE-OTHER> 3,119 <INCOME-PRETAX> 412 <INCOME-PRE-EXTRAORDINARY> 412 <EXTRAORDINARY> 146 <CHANGES> 0 <NET-INCOME> 266 <EPS-BASIC> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 3.90 <LOANS-NON> 170 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 519 <ALLOWANCE-OPEN> (948) <CHARGE-OFFS> 254 <RECOVERIES> 80 <ALLOWANCE-CLOSE> (1,074) <ALLOWANCE-DOMESTIC> (1,074) <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 748