<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, 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-END> JUN-30-1998 <CASH> 13,578 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,609 <INVESTMENTS-CARRYING> 12,282 <INVESTMENTS-MARKET> 12,410 <LOANS> 102,031 <ALLOWANCE> 1,773 <TOTAL-ASSETS> 138,830 <DEPOSITS> 123,338 <SHORT-TERM> 1,500 <LIABILITIES-OTHER> 1,071 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,854 <OTHER-SE> 8,067 <TOTAL-LIABILITIES-AND-EQUITY> 138,830 <INTEREST-LOAN> 4,837 <INTEREST-INVEST> 448 <INTEREST-OTHER> 293 <INTEREST-TOTAL> 5,578 <INTEREST-DEPOSIT> 1,697 <INTEREST-EXPENSE> 1,734 <INTEREST-INCOME-NET> 3,844 <LOAN-LOSSES> 70 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,096 <INCOME-PRETAX> 1,887 <INCOME-PRE-EXTRAORDINARY> 1,887 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,099 <EPS-PRIMARY> 1.12 <EPS-DILUTED> 1.09 <YIELD-ACTUAL> 9.54 <LOANS-NON> 145 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,773 <CHARGE-OFFS> 34 <RECOVERIES> 99 <ALLOWANCE-CLOSE> 1,773 <ALLOWANCE-DOMESTIC> 1,773 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0