<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1998
<CASH>                                         1126160
<INT-BEARING-DEPOSITS>                         2467691
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   35866364
<INVESTMENTS-CARRYING>                        14361174
<INVESTMENTS-MARKET>                          14579140
<LOANS>                                       49328098
<ALLOWANCE>                                     200000
<TOTAL-ASSETS>                               106939611
<DEPOSITS>                                    66029288
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            1501542
<LONG-TERM>                                     673190
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         25921
<OTHER-SE>                                    38709670
<TOTAL-LIABILITIES-AND-EQUITY>               106939611
<INTEREST-LOAN>                                1965310
<INTEREST-INVEST>                              1786429
<INTEREST-OTHER>                                126272
<INTEREST-TOTAL>                               3878011
<INTEREST-DEPOSIT>                             1478620
<INTEREST-EXPENSE>                             1510388
<INTEREST-INCOME-NET>                          2367623
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                1446575
<INCOME-PRETAX>                                1334217
<INCOME-PRE-EXTRAORDINARY>                     1334217
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    795170
<EPS-PRIMARY>                                     0.34
<EPS-DILUTED>                                     0.34
<YIELD-ACTUAL>                                    4.55
<LOANS-NON>                                          0
<LOANS-PAST>                                     13000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                200000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               200000
<ALLOWANCE-DOMESTIC>                            200000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0