<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-mos <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 24,587 <INT-BEARING-DEPOSITS> 1,159 <FED-FUNDS-SOLD> 3,560 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 146,054 <INVESTMENTS-CARRYING> 11,174 <INVESTMENTS-MARKET> 11,385 <LOANS> 449,599 <ALLOWANCE> 4,939 <TOTAL-ASSETS> 671,237 <DEPOSITS> 552,804 <SHORT-TERM> 16,323 <LIABILITIES-OTHER> 5,559 <LONG-TERM> 28,460 <COMMON> 14,365 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 337 <TOTAL-LIABILITIES-AND-EQUITY> 671,237 <INTEREST-LOAN> 10,110 <INTEREST-INVEST> 2,280 <INTEREST-OTHER> 67 <INTEREST-TOTAL> 12,457 <INTEREST-DEPOSIT> 5,324 <INTEREST-EXPENSE> 657 <INTEREST-INCOME-NET> 6,476 <LOAN-LOSSES> 480 <SECURITIES-GAINS> (27) <EXPENSE-OTHER> 5,065 <INCOME-PRETAX> 2,242 <INCOME-PRE-EXTRAORDINARY> 2,242 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,826 <EPS-PRIMARY> 0.25 <EPS-DILUTED> 0.25 <YIELD-ACTUAL> 8.70 <LOANS-NON> 2,630 <LOANS-PAST> 2,323 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,630 <ALLOWANCE-OPEN> 4,939 <CHARGE-OFFS> 258 <RECOVERIES> 106 <ALLOWANCE-CLOSE> 4,939 <ALLOWANCE-DOMESTIC> 4,939 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,939