<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-QSB FOR THE QUARTERLY PERIOD ENDING JUNE 30, 1998 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH 10-QSB
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           5,976
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     21,089
<INVESTMENTS-CARRYING>                          13,546
<INVESTMENTS-MARKET>                            13,672
<LOANS>                                         84,796
<ALLOWANCE>                                        815
<TOTAL-ASSETS>                                 131,372
<DEPOSITS>                                     114,657
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,148
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,157
<OTHER-SE>                                      12,410
<TOTAL-LIABILITIES-AND-EQUITY>                 131,372
<INTEREST-LOAN>                                  3,979
<INTEREST-INVEST>                                1,022
<INTEREST-OTHER>                                   198
<INTEREST-TOTAL>                                 5,199
<INTEREST-DEPOSIT>                               2,546
<INTEREST-EXPENSE>                               2,576
<INTEREST-INCOME-NET>                            2,623
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  1,621
<INCOME-PRETAX>                                  1,089
<INCOME-PRE-EXTRAORDINARY>                       1,089
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       769
<EPS-PRIMARY>                                     1.07
<EPS-DILUTED>                                     1.07
<YIELD-ACTUAL>                                    4.35
<LOANS-NON>                                         45
<LOANS-PAST>                                       407
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   747
<CHARGE-OFFS>                                      141
<RECOVERIES>                                        59
<ALLOWANCE-CLOSE>                                  815
<ALLOWANCE-DOMESTIC>                               815
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            566