<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1998 SECOND
QUARTER 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           2,496
<INT-BEARING-DEPOSITS>                              35
<FED-FUNDS-SOLD>                                 8,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,010
<INVESTMENTS-CARRYING>                           6,854
<INVESTMENTS-MARKET>                             7,046
<LOANS>                                         68,849
<ALLOWANCE>                                      1,025
<TOTAL-ASSETS>                                  96,120
<DEPOSITS>                                      72,182
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,413
<LONG-TERM>                                     11,934
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,975
<OTHER-SE>                                       7,616
<TOTAL-LIABILITIES-AND-EQUITY>                  96,120
<INTEREST-LOAN>                                  2,768
<INTEREST-INVEST>                                  516
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,284
<INTEREST-DEPOSIT>                               1,235
<INTEREST-EXPENSE>                               1,475
<INTEREST-INCOME-NET>                            1,809
<LOAN-LOSSES>                                     (16)
<SECURITIES-GAINS>                                (18)
<EXPENSE-OTHER>                                  1,233
<INCOME-PRETAX>                                    877
<INCOME-PRE-EXTRAORDINARY>                         877
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       623
<EPS-PRIMARY>                                     1.05
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    4.64
<LOANS-NON>                                        131
<LOANS-PAST>                                        89
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,035
<CHARGE-OFFS>                                       11
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                1,025
<ALLOWANCE-DOMESTIC>                               108
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            917