<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                   1,000

       
                                          
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   JUN-30-1998
<CASH>                                          12,240
<INT-BEARING-DEPOSITS>                             263
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     56,643
<INVESTMENTS-CARRYING>                           8,158
<INVESTMENTS-MARKET>                             8,528
<LOANS>                                        186,804
<ALLOWANCE>                                      3,260
<TOTAL-ASSETS>                                 273,933
<DEPOSITS>                                     225,412
<SHORT-TERM>                                    14,284
<LIABILITIES-OTHER>                              6,130
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           180
<OTHER-SE>                                      25,927
<TOTAL-LIABILITIES-AND-EQUITY>                 273,933
<INTEREST-LOAN>                                  8,026
<INTEREST-INVEST>                                1,858
<INTEREST-OTHER>                                    68
<INTEREST-TOTAL>                                 9,952
<INTEREST-DEPOSIT>                               4,001
<INTEREST-EXPENSE>                               4,226
<INTEREST-INCOME-NET>                            5,726
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  3,968
<INCOME-PRETAX>                                  2,164
<INCOME-PRE-EXTRAORDINARY>                       2,164
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,511
<EPS-PRIMARY>                                      .90
<EPS-DILUTED>                                      .90
<YIELD-ACTUAL>                                    4.71
<LOANS-NON>                                      1,058
<LOANS-PAST>                                        17
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,250
<CHARGE-OFFS>                                      397
<RECOVERIES>                                        47
<ALLOWANCE-CLOSE>                                3,260
<ALLOWANCE-DOMESTIC>                             3,260
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,670