<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       8,785,000
<INT-BEARING-DEPOSITS>                       4,706,000
<FED-FUNDS-SOLD>                               347,000
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                      25,040,000
<INVESTMENTS-MARKET>                        25,125,000
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<ALLOWANCE>                                  1,351,000
<TOTAL-ASSETS>                             199,907,000
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<SHORT-TERM>                                 6,229,000
<LIABILITIES-OTHER>                          2,677,000
<LONG-TERM>                                  7,850,000
<PREFERRED-MANDATORY>                                0
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<COMMON>                                        23,000
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<TOTAL-LIABILITIES-AND-EQUITY>             199,907,000
<INTEREST-LOAN>                              6,326,000
<INTEREST-INVEST>                            1,221,000
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<INTEREST-TOTAL>                             7,709,000
<INTEREST-DEPOSIT>                           3,204,000
<INTEREST-EXPENSE>                           3,638,000
<INTEREST-INCOME-NET>                        4,071,000
<LOAN-LOSSES>                                  131,000
<SECURITIES-GAINS>                                   0
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<EPS-PRIMARY>                                      .45
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                   8.362
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