<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 10,371 <INT-BEARING-DEPOSITS> 657 <FED-FUNDS-SOLD> 14,875 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 61,898 <INVESTMENTS-CARRYING> 2,194 <INVESTMENTS-MARKET> 2,177 <LOANS> 247,490 <ALLOWANCE> 4,821 <TOTAL-ASSETS> 351,864 <DEPOSITS> 302,650 <SHORT-TERM> 1,000 <LIABILITIES-OTHER> 2,573 <LONG-TERM> 14,073 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 22,175 <OTHER-SE> 9,393 <TOTAL-LIABILITIES-AND-EQUITY> 351,864 <INTEREST-LOAN> 12,595 <INTEREST-INVEST> 1,789 <INTEREST-OTHER> 597 <INTEREST-TOTAL> 14,981 <INTEREST-DEPOSIT> 7,074 <INTEREST-EXPENSE> 7,474 <INTEREST-INCOME-NET> 7,507 <LOAN-LOSSES> 510 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 5,168 <INCOME-PRETAX> 3,121 <INCOME-PRE-EXTRAORDINARY> 3,121 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,131 <EPS-PRIMARY> 0.96 <EPS-DILUTED> 0.96 <YIELD-ACTUAL> 4.76 <LOANS-NON> 6,838 <LOANS-PAST> 1,346 <LOANS-TROUBLED> 31 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,575 <CHARGE-OFFS> 507 <RECOVERIES> 243 <ALLOWANCE-CLOSE> 4,821 <ALLOWANCE-DOMESTIC> 4,821 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0