<ARTICLE> 9
<LEGEND>
THIS 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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           8,703
<INT-BEARING-DEPOSITS>                           9,923
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,993
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        200,879
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                 259,758
<DEPOSITS>                                     201,463
<SHORT-TERM>                                    28,388
<LIABILITIES-OTHER>                             11,182
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                      18,720
<TOTAL-LIABILITIES-AND-EQUITY>                 259,758
<INTEREST-LOAN>                                  8,044
<INTEREST-INVEST>                                   82
<INTEREST-OTHER>                                   435
<INTEREST-TOTAL>                                 8,561
<INTEREST-DEPOSIT>                               4,583
<INTEREST-EXPENSE>                               5,651
<INTEREST-INCOME-NET>                            2,910
<LOAN-LOSSES>                                      235
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,865
<INCOME-PRETAX>                                    627
<INCOME-PRE-EXTRAORDINARY>                         627
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       667
<EPS-PRIMARY>                                     1.35
<EPS-DILUTED>                                     1.26
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                      5,120
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,620
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0<F1>
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q
</FN>