<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 10,663,000 <INT-BEARING-DEPOSITS> 10,035,000 <FED-FUNDS-SOLD> 54,310,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,456,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 68,947,000 <ALLOWANCE> 2,446,000 <TOTAL-ASSETS> 178,478,000 <DEPOSITS> 160,239,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,078,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,251,000 <OTHER-SE> 4,910,000 <TOTAL-LIABILITIES-AND-EQUITY> 178,478,000 <INTEREST-LOAN> 3,605,000 <INTEREST-INVEST> 1,226,000 <INTEREST-OTHER> 1,142,000 <INTEREST-TOTAL> 5,973,000 <INTEREST-DEPOSIT> 1,691,000 <INTEREST-EXPENSE> 1,693,000 <INTEREST-INCOME-NET> 4,280,000 <LOAN-LOSSES> 24,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,296,000 <INCOME-PRETAX> 1,347,000 <INCOME-PRE-EXTRAORDINARY> 782,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 782,000 <EPS-PRIMARY> 0.32 <EPS-DILUTED> 0.30 <YIELD-ACTUAL> 0.049 <LOANS-NON> 244,000 <LOANS-PAST> 1,703,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,400,000 <CHARGE-OFFS> 0 <RECOVERIES> 22,000 <ALLOWANCE-CLOSE> 2,446,000 <ALLOWANCE-DOMESTIC> 2,446,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0