<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
            
<MULTIPLIER>                                 1,000      
       
                                           
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                             DEC-31-1998
<PERIOD-END>                                  JUN-30-1998
<CASH>                                         16,861
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    14,812
<INVESTMENTS-CARRYING>                         26,785
<INVESTMENTS-MARKET>                           26,816
<LOANS>                                        44,423
<ALLOWANCE>                                       190
<TOTAL-ASSETS>                                106,001
<DEPOSITS>                                     82,644
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             1,794
<LONG-TERM>                                       650
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          155
<OTHER-SE>                                     20,758
<TOTAL-LIABILITIES-AND-EQUITY>                106,001
<INTEREST-LOAN>                                 1,797
<INTEREST-INVEST>                               1,309
<INTEREST-OTHER>                                  195
<INTEREST-TOTAL>                                3,301
<INTEREST-DEPOSIT>                              1,915
<INTEREST-EXPENSE>                              1,948
<INTEREST-INCOME-NET>                           1,353
<LOAN-LOSSES>                                      15
<SECURITIES-GAINS>                                  3
<EXPENSE-OTHER>                                 1,164
<INCOME-PRETAX>                                   583
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      352
<EPS-PRIMARY>                                     .25
<EPS-DILUTED>                                     .25
<YIELD-ACTUAL>                                      0
<LOANS-NON>                                        54
<LOANS-PAST>                                        4
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                    54
<ALLOWANCE-OPEN>                                  179
<CHARGE-OFFS>                                       6
<RECOVERIES>                                        2
<ALLOWANCE-CLOSE>                                 190
<ALLOWANCE-DOMESTIC>                              190
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           190