<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