<ARTICLE> 9
<LEGEND> This schedule contains summary financial information extracted from 
the Balance Sheet/Income Statement and is qualified in its entirety by reference
to such financial statements. 
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       1,510,967
<INT-BEARING-DEPOSITS>                       8,711,853
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 53,657,204
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    251,590,159
<ALLOWANCE>                                  2,601,688
<TOTAL-ASSETS>                             331,124,031
<DEPOSITS>                                 246,397,519
<SHORT-TERM>                                11,000,000
<LIABILITIES-OTHER>                          3,197,775
<LONG-TERM>                                 21,342,000
<PREFERRED>                                          0
<PREFERRED-MANDATORY>                                0
<COMMON>                                        40,111
<OTHER-SE>                                  49,146,626
<TOTAL-LIABILITIES-AND-EQUITY>             331,124,031
<INTEREST-LOAN>                              9,905,841
<INTEREST-INVEST>                            1,609,302
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            11,515,143
<INTEREST-DEPOSIT>                           5,214,252
<INTEREST-EXPENSE>                           6,163,495
<INTEREST-INCOME-NET>                        5,351,648
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                              54,853
<EXPENSE-OTHER>                              3,529,070
<INCOME-PRETAX>                              3,491,667
<INCOME-PRE-EXTRAORDINARY>                   3,491,667
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,221,792
<EPS-PRIMARY>                                     0.71
<EPS-DILUTED>                                     0.69
<YIELD-ACTUAL>                                    7.71
<LOANS-NON>                                    161,628
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,150,588
<CHARGE-OFFS>                                   13,048
<RECOVERIES>                                       730
<ALLOWANCE-CLOSE>                            2,601,688
<ALLOWANCE-DOMESTIC>                         2,601,688
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0