<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                            8444
<INT-BEARING-DEPOSITS>                            3168
<FED-FUNDS-SOLD>                                  8643
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      25106
<INVESTMENTS-CARRYING>                           53993
<INVESTMENTS-MARKET>                             55302
<LOANS>                                         186576
<ALLOWANCE>                                       2173
<TOTAL-ASSETS>                                  291522
<DEPOSITS>                                      242852
<SHORT-TERM>                                      7577
<LIABILITIES-OTHER>                                981
<LONG-TERM>                                      10626
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         16540
<OTHER-SE>                                       12945
<TOTAL-LIABILITIES-AND-EQUITY>                  291522
<INTEREST-LOAN>                                   8964
<INTEREST-INVEST>                                 2342
<INTEREST-OTHER>                                   216
<INTEREST-TOTAL>                                 11522
<INTEREST-DEPOSIT>                                5168
<INTEREST-EXPENSE>                                5645
<INTEREST-INCOME-NET>                             5877
<LOAN-LOSSES>                                      196
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   3345
<INCOME-PRETAX>                                   2998
<INCOME-PRE-EXTRAORDINARY>                        2998
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2202
<EPS-PRIMARY>                                      .84
<EPS-DILUTED>                                      .84
<YIELD-ACTUAL>                                    4.26
<LOANS-NON>                                        512
<LOANS-PAST>                                       709
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  2349
<CHARGE-OFFS>                                      389
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                 2173
<ALLOWANCE-DOMESTIC>                              1630
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            543