<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM QUARTERLY REPORT ON FORM 10-Q FOR THE QURTERLY PERIOD ENDED JUNE 30, 1998
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998 
<PERIOD-END>                               JUN-30-1998
<CASH>                                           5,167
<INT-BEARING-DEPOSITS>                          19,549
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     28,016
<INVESTMENTS-CARRYING>                           4,199
<INVESTMENTS-MARKET>                             4,187
<LOANS>                                        104,095
<ALLOWANCE>                                      2,726
<TOTAL-ASSETS>                                 171,719
<DEPOSITS>                                     139,002
<SHORT-TERM>                                     1,454
<LIABILITIES-OTHER>                                166
<LONG-TERM>                                     15,725
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,361
<OTHER-SE>                                      14,011
<TOTAL-LIABILITIES-AND-EQUITY>                 171,719
<INTEREST-LOAN>                                  4,991
<INTEREST-INVEST>                                  808
<INTEREST-OTHER>                                   328
<INTEREST-TOTAL>                                 6,127
<INTEREST-DEPOSIT>                               2,339
<INTEREST-EXPENSE>                                 583
<INTEREST-INCOME-NET>                            3,205
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  36
<EXPENSE-OTHER>                                  2,661
<INCOME-PRETAX>                                    896
<INCOME-PRE-EXTRAORDINARY>                         896
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       577
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    9.39
<LOANS-NON>                                        243
<LOANS-PAST>                                        55
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    730
<ALLOWANCE-OPEN>                                 2,665
<CHARGE-OFFS>                                       31
<RECOVERIES>                                        92
<ALLOWANCE-CLOSE>                                2,726
<ALLOWANCE-DOMESTIC>                             2,726
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0