<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the Form 10-Q
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       3,190,286
<INT-BEARING-DEPOSITS>                      20,928,739
<FED-FUNDS-SOLD>                             4,438,487
<TRADING-ASSETS>                             2,058,148
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      44,068,908
<INVESTMENTS-MARKET>                        44,056,875
<LOANS>                                    243,462,827
<ALLOWANCE>                                    902,800
<TOTAL-ASSETS>                             320,295,177
<DEPOSITS>                                 260,433,989
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          9,690,269
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        35,251
<OTHER-SE>                                  50,135,668
<TOTAL-LIABILITIES-AND-EQUITY>             320,295,177
<INTEREST-LOAN>                             10,056,446
<INTEREST-INVEST>                            1,846,469
<INTEREST-OTHER>                                66,986
<INTEREST-TOTAL>                            11,969,901
<INTEREST-DEPOSIT>                           6,440,549
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        5,529,352
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                              43,023
<EXPENSE-OTHER>                              2,489,665
<INCOME-PRETAX>                              3,478,160
<INCOME-PRE-EXTRAORDINARY>                   3,478,160
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,234,691
<EPS-PRIMARY>                                     0.91
<EPS-DILUTED>                                     0.84
<YIELD-ACTUAL>                                    3.58
<LOANS-NON>                                  1,417,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               902,800
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              902,800
<ALLOWANCE-DOMESTIC>                           277,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        625,800