<ARTICLE> 9
<LEGEND>
THIS LEGEND  CONTAINS  SUMMARY  INFORMATION  EXTRACTED FROM THE FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       3,102,630
<INT-BEARING-DEPOSITS>                       2,082,302
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                             2,920,151
<INVESTMENTS-HELD-FOR-SALE>                  9,477,535
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     87,349,476
<ALLOWANCE>                                    457,342
<TOTAL-ASSETS>                             111,338,485
<DEPOSITS>                                  75,699,542
<SHORT-TERM>                                 6,000,000
<LIABILITIES-OTHER>                          1,446,758
<LONG-TERM>                                 14,074,454
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,241
<OTHER-SE>                                  14,106,490
<TOTAL-LIABILITIES-AND-EQUITY>             111,338,485
<INTEREST-LOAN>                              3,359,690
<INTEREST-INVEST>                              491,550
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,851,240
<INTEREST-DEPOSIT>                           1,699,326
<INTEREST-EXPENSE>                           2,146,445
<INTEREST-INCOME-NET>                        1,704,795
<LOAN-LOSSES>                                   52,885
<SECURITIES-GAINS>                              81,529
<EXPENSE-OTHER>                              1,502,145
<INCOME-PRETAX>                                537,740
<INCOME-PRE-EXTRAORDINARY>                     537,740
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   319,215
<EPS-PRIMARY>                                     0.36
<EPS-DILUTED>                                     0.35
<YIELD-ACTUAL>                                    3.41
<LOANS-NON>                                    213,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               410,383
<CHARGE-OFFS>                                    5,896
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              457,342
<ALLOWANCE-DOMESTIC>                           457,342
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0