<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 8,733 <INT-BEARING-DEPOSITS> 383 <FED-FUNDS-SOLD> 7,079 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 36,495 <INVESTMENTS-CARRYING> 13,801 <INVESTMENTS-MARKET> 13,922 <LOANS> 147,640 <ALLOWANCE> 1,966 <TOTAL-ASSETS> 218,368 <DEPOSITS> 187,106 <SHORT-TERM> 3,619 <LIABILITIES-OTHER> 1,717 <LONG-TERM> 6,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 18,121 <TOTAL-LIABILITIES-AND-EQUITY> 218,368 <INTEREST-LOAN> 6,883 <INTEREST-INVEST> 1,442 <INTEREST-OTHER> 109 <INTEREST-TOTAL> 8,434 <INTEREST-DEPOSIT> 4,072 <INTEREST-EXPENSE> 4,338 <INTEREST-INCOME-NET> 4,096 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 36 <EXPENSE-OTHER> 2,997 <INCOME-PRETAX> 1,481 <INCOME-PRE-EXTRAORDINARY> 1,481 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,028 <EPS-PRIMARY> 1.16 <EPS-DILUTED> 1.16 <YIELD-ACTUAL> 4.06 <LOANS-NON> 1,111 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,519 <ALLOWANCE-OPEN> 1,845 <CHARGE-OFFS> 31 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 1,966 <ALLOWANCE-DOMESTIC> 1,966 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0