<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               JUN-30-1998             JUN-30-1997
<CASH>                                          22,600                  18,694
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                45,075                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     30,922                  30,998
<INVESTMENTS-CARRYING>                          28,051                  34,119
<INVESTMENTS-MARKET>                            28,423                  34,291
<LOANS>                                        217,120                 214,276
<ALLOWANCE>                                      4,337                   4,791
<TOTAL-ASSETS>                                 349,479                 302,001
<DEPOSITS>                                     305,759                 261,148
<SHORT-TERM>                                         0                   2,300
<LIABILITIES-OTHER>                              3,592                   2,816
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        34,156                  31,220
<OTHER-SE>                                       5,972                   4,517
<TOTAL-LIABILITIES-AND-EQUITY>                 349,479                 302,001
<INTEREST-LOAN>                                 11,409                   9,994
<INTEREST-INVEST>                                2,511                   2,327
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                13,920                  12,321
<INTEREST-DEPOSIT>                               4,052                   3,394
<INTEREST-EXPENSE>                               4,052                   3,426
<INTEREST-INCOME-NET>                            9,868                   8,895
<LOAN-LOSSES>                                       75                      50
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  6,138                   5,851
<INCOME-PRETAX>                                  4,125                   3,435
<INCOME-PRE-EXTRAORDINARY>                       4,125                   3,435
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,450                   2,175
<EPS-PRIMARY>                                      .53                     .47
<EPS-DILUTED>                                      .50                     .45
<YIELD-ACTUAL>                                    6.54                    6.72
<LOANS-NON>                                      1,710                   4,378
<LOANS-PAST>                                       548                     467
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,351                   4,969
<CHARGE-OFFS>                                      528                     332
<RECOVERIES>                                       439                     104
<ALLOWANCE-CLOSE>                                4,337                   4,791
<ALLOWANCE-DOMESTIC>                             4,337                   4,791
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          2,143                   1,139