<ARTICLE> 9
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       2,202,645
<INT-BEARING-DEPOSITS>                       9,506,708
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 32,771,410
<INVESTMENTS-CARRYING>                      21,039,105
<INVESTMENTS-MARKET>                        20,558,444
<LOANS>                                    305,024,624
<ALLOWANCE>                                  1,046,946
<TOTAL-ASSETS>                             381,054,272
<DEPOSITS>                                 298,695,936
<SHORT-TERM>                                50,111,296
<LIABILITIES-OTHER>                          1,971,205
<LONG-TERM>                                          0
<COMMON>                                     3,027,440
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  27,248,395
<TOTAL-LIABILITIES-AND-EQUITY>             381,054,272
<INTEREST-LOAN>                             11,869,080
<INTEREST-INVEST>                            2,117,742
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            13,986,822
<INTEREST-DEPOSIT>                           6,871,617
<INTEREST-EXPENSE>                           8,481,802
<INTEREST-INCOME-NET>                        5,505,020
<LOAN-LOSSES>                                  190,000
<SECURITIES-GAINS>                             261,964
<EXPENSE-OTHER>                              3,817,595
<INCOME-PRETAX>                              2,022,463
<INCOME-PRE-EXTRAORDINARY>                   2,022,463
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,283,981
<EPS-PRIMARY>                                     0.43
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                    3.02
<LOANS-NON>                                          0
<LOANS-PAST>                                   317,035
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               873,802
<CHARGE-OFFS>                                   16,856
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,046,946
<ALLOWANCE-DOMESTIC>                         1,046,946
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0