<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 6,231 <INT-BEARING-DEPOSITS> 4,606 <FED-FUNDS-SOLD> 5,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 88,600 <INVESTMENTS-CARRYING> 8,941 <INVESTMENTS-MARKET> 9,105 <LOANS> 263,216 <ALLOWANCE> 3,041 <TOTAL-ASSETS> 390,270 <DEPOSITS> 324,617 <SHORT-TERM> 18,033 <LIABILITIES-OTHER> 4,093 <LONG-TERM> 0 <PREFERRED-MANDATORY> 1,237 <PREFERRED> 35,378 <COMMON> 3,456 <OTHER-SE> 3,456 <TOTAL-LIABILITIES-AND-EQUITY> 390,270 <INTEREST-LOAN> 11,526 <INTEREST-INVEST> 2,584 <INTEREST-OTHER> 144 <INTEREST-TOTAL> 14,254 <INTEREST-DEPOSIT> 6,142 <INTEREST-EXPENSE> 423 <INTEREST-INCOME-NET> 7,689 <LOAN-LOSSES> 375 <SECURITIES-GAINS> 130 <EXPENSE-OTHER> 5,413 <INCOME-PRETAX> 3,254 <INCOME-PRE-EXTRAORDINARY> 3,254 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,372 <EPS-PRIMARY> .69 <EPS-DILUTED> .69 <YIELD-ACTUAL> 8.14 <LOANS-NON> 311 <LOANS-PAST> 519 <LOANS-TROUBLED> 568 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,849 <CHARGE-OFFS> 255 <RECOVERIES> 72 <ALLOWANCE-CLOSE> 3,041 <ALLOWANCE-DOMESTIC> 3,041 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0