<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FNANCIAL INFORMATION EXTRACTED FROM THE JUNE 30, 1998 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> APR-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 8,167 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 54,800 <INVESTMENTS-CARRYING> 1,705 <INVESTMENTS-MARKET> 1,759 <LOANS> 69,823 <ALLOWANCE> 1,358 <TOTAL-ASSETS> 152,057 <DEPOSITS> 138,212 <SHORT-TERM> 0 <LIABILITIES-OTHER> 644 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,559 <OTHER-SE> 5,642 <TOTAL-LIABILITIES-AND-EQUITY> 152,057 <INTEREST-LOAN> 1,776 <INTEREST-INVEST> 878 <INTEREST-OTHER> 85 <INTEREST-TOTAL> 2,739 <INTEREST-DEPOSIT> 1,061 <INTEREST-EXPENSE> 1,061 <INTEREST-INCOME-NET> 1,678 <LOAN-LOSSES> 30 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,851 <INCOME-PRETAX> 236 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 181 <EPS-PRIMARY> .14 <EPS-DILUTED> .13 <YIELD-ACTUAL> 5.17 <LOANS-NON> 302 <LOANS-PAST> 411 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,340 <CHARGE-OFFS> 37 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 1,358 <ALLOWANCE-DOMESTIC> 1,358 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 950