<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM *JUNE 30,
1998 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-1998 DEC-31-1997
<PERIOD-START> JAN-01-1998 JAN-01-1997
<PERIOD-END> JUN-30-1998 JUN-30-1997
<CASH> 12858 15067
<INT-BEARING-DEPOSITS> 2498 3000
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 56353 51059
<INVESTMENTS-CARRYING> 47382 52670
<INVESTMENTS-MARKET> 0 0
<LOANS> 393398 356817
<ALLOWANCE> (3543) (2938)
<TOTAL-ASSETS> 531479 496903
<DEPOSITS> 434689 428052
<SHORT-TERM> 56242 29529
<LIABILITIES-OTHER> 2507 2498
<LONG-TERM> 0 0
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 18 49
<COMMON> 2403 2377
<OTHER-SE> 35620 34398
<TOTAL-LIABILITIES-AND-EQUITY> 531479 496903
<INTEREST-LOAN> 15990 14989
<INTEREST-INVEST> 3202 3280
<INTEREST-OTHER> 240 166
<INTEREST-TOTAL> 19432 18435
<INTEREST-DEPOSIT> 7950 7597
<INTEREST-EXPENSE> 9386 8264
<INTEREST-INCOME-NET> 10046 10171
<LOAN-LOSSES> 720 745
<SECURITIES-GAINS> 14 35
<EXPENSE-OTHER> 7222 6920
<INCOME-PRETAX> 3848 4079
<INCOME-PRE-EXTRAORDINARY> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 2454 2527
<EPS-PRIMARY> .97 .98
<EPS-DILUTED> .94 .96
<YIELD-ACTUAL> 0 0
<LOANS-NON> 0 0
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 0 0
<CHARGE-OFFS> 0 0
<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 0 0
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0