<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       1,242,973
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<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-MARKET>                         1,192,000
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<ALLOWANCE>                                    912,357
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<DEPOSITS>                                  92,755,430
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<INTEREST-OTHER>                                     0
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<INTEREST-DEPOSIT>                           2,128,026
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<LOAN-LOSSES>                                  129,000
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<EXPENSE-OTHER>                              1,373,685
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<EPS-PRIMARY>                                     0.39
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