<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME AND COMPREHENSIVE INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 17265 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 22748 <INVESTMENTS-CARRYING> 32028 <INVESTMENTS-MARKET> 32345 <LOANS> 161907 <ALLOWANCE> 1982 <TOTAL-ASSETS> 251732 <DEPOSITS> 219401 <SHORT-TERM> 0 <LIABILITIES-OTHER> 9339 <LONG-TERM> 5000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4306 <OTHER-SE> 13686 <TOTAL-LIABILITIES-AND-EQUITY> 251732 <INTEREST-LOAN> 8020 <INTEREST-INVEST> 1571 <INTEREST-OTHER> 119 <INTEREST-TOTAL> 9710 <INTEREST-DEPOSIT> 3682 <INTEREST-EXPENSE> 3845 <INTEREST-INCOME-NET> 5865 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4611 <INCOME-PRETAX> 2354 <INCOME-PRE-EXTRAORDINARY> 2354 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1748 <EPS-PRIMARY> .91 <EPS-DILUTED> .91 <YIELD-ACTUAL> 5.33 <LOANS-NON> 855 <LOANS-PAST> 720 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3661 <ALLOWANCE-OPEN> 1863 <CHARGE-OFFS> 247 <RECOVERIES> 66 <ALLOWANCE-CLOSE> 1982 <ALLOWANCE-DOMESTIC> 1056 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 926