<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-1998 DEC-31-1998 <PERIOD-START> APR-01-1998 JAN-01-1997 <PERIOD-END> JUN-30-1998 JUN-30-1998 <CASH> 0 9,686 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 0 14,800 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 31,090 <INVESTMENTS-CARRYING> 0 1,824 <INVESTMENTS-MARKET> 0 1,824 <LOANS> 0 79,214 <ALLOWANCE> 0 1,617 <TOTAL-ASSETS> 0 140,525 <DEPOSITS> 0 130,766 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 0 719 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 0 7,147 <OTHER-SE> 0 1,893 <TOTAL-LIABILITIES-AND-EQUITY> 0 140,525 <INTEREST-LOAN> 2,026 4,033 <INTEREST-INVEST> 455 797 <INTEREST-OTHER> 187 427 <INTEREST-TOTAL> 2,668 5,257 <INTEREST-DEPOSIT> 883 1,748 <INTEREST-EXPENSE> 883 1,748 <INTEREST-INCOME-NET> 1,785 3,509 <LOAN-LOSSES> 85 190 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 1,430 2,835 <INCOME-PRETAX> 553 1,036 <INCOME-PRE-EXTRAORDINARY> 553 1,036 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 339 630 <EPS-PRIMARY> 0.43 0.80 <EPS-DILUTED> 0.41 0.76 <YIELD-ACTUAL> 5.70 5.71 <LOANS-NON> 0 1,830 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1,638 1,566 <CHARGE-OFFS> 156 204 <RECOVERIES> 51 66 <ALLOWANCE-CLOSE> 1,617 1,617 <ALLOWANCE-DOMESTIC> 1,617 1,617 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0