<ARTICLE>           9
<MULTIPLIER>        1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          17,911
<INT-BEARING-DEPOSITS>                          52,000
<FED-FUNDS-SOLD>                                27,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,444
<INVESTMENTS-CARRYING>                          73,976
<INVESTMENTS-MARKET>                            74,286
<LOANS>                                        218,979
<ALLOWANCE>                                      4,569
<TOTAL-ASSETS>                                 438,644
<DEPOSITS>                                     175,733
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            207,921
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      52,990
<TOTAL-LIABILITIES-AND-EQUITY>                 438,644
<INTEREST-LOAN>                                  8,735
<INTEREST-INVEST>                                3,588
<INTEREST-OTHER>                                 2,565
<INTEREST-TOTAL>                                14,888
<INTEREST-DEPOSIT>                               2,125
<INTEREST-EXPENSE>                               2,131
<INTEREST-INCOME-NET>                           12,757
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 18,525
<INCOME-PRETAX>                                  5,646
<INCOME-PRE-EXTRAORDINARY>                       5,646
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,643
<EPS-PRIMARY>                                      .94
<EPS-DILUTED>                                      .93
<YIELD-ACTUAL>                                    6.08
<LOANS-NON>                                        657
<LOANS-PAST>                                     1,059
<LOANS-TROUBLED>                                   602
<LOANS-PROBLEM>                                  1,231
<ALLOWANCE-OPEN>                                 4,484
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        85
<ALLOWANCE-CLOSE>                                4,569
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>TO BE DOCUMENTED IN THE DEC-31-1998 STATEMENTS.