<ARTICLE>                                            9                          
<MULTIPLIER>                                     1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                           DEC-31-1998
<PERIOD-END>                                JUN-30-1998
<CASH>                                           16,261
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<FED-FUNDS-SOLD>                                 12,271
<TRADING-ASSETS>                                      0
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<INVESTMENTS-MARKET>                             11,731
<LOANS>                                         195,433
<ALLOWANCE>                                       2,060
<TOTAL-ASSETS>                                  294,164
<DEPOSITS>                                      259,788
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                               1,816
<LONG-TERM>                                           0
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<COMMON>                                          8,347
<OTHER-SE>                                       24,170
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<INTEREST-LOAN>                                   9,131
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<INTEREST-OTHER>                                      0
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<INTEREST-DEPOSIT>                                4,600
<INTEREST-EXPENSE>                                4,630
<INTEREST-INCOME-NET>                             6,810
<LOAN-LOSSES>                                       130
<SECURITIES-GAINS>                                  107
<EXPENSE-OTHER>                                   4,279
<INCOME-PRETAX>                                   3,447
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<YIELD-ACTUAL>                                     8.00
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<ALLOWANCE-OPEN>                                  1,991
<CHARGE-OFFS>                                       130
<RECOVERIES>                                         89
<ALLOWANCE-CLOSE>                                 2,060
<ALLOWANCE-DOMESTIC>                              2,060
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0