<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30,
1998 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             APR-01-1998
<PERIOD-END>                               JUN-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                           7,232
<INT-BEARING-DEPOSITS>                          11,495
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     97,485
<INVESTMENTS-CARRYING>                           6,544
<INVESTMENTS-MARKET>                             6,784
<LOANS>                                        247,609
<ALLOWANCE>                                      4,023
<TOTAL-ASSETS>                                 378,137
<DEPOSITS>                                     330,294
<SHORT-TERM>                                     2,733
<LIABILITIES-OTHER>                              2,771
<LONG-TERM>                                      2,671
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           809
<OTHER-SE>                                      38,859
<TOTAL-LIABILITIES-AND-EQUITY>                 378,137
<INTEREST-LOAN>                                  5,619
<INTEREST-INVEST>                                1,719
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,338
<INTEREST-DEPOSIT>                               2,887
<INTEREST-EXPENSE>                               2,941
<INTEREST-INCOME-NET>                            4,397
<LOAN-LOSSES>                                     (50)
<SECURITIES-GAINS>                                 179
<EXPENSE-OTHER>                                  2,484
<INCOME-PRETAX>                                  2,456
<INCOME-PRE-EXTRAORDINARY>                       2,456
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,619
<EPS-PRIMARY>                                     0.21
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                    4.99
<LOANS-NON>                                        233
<LOANS-PAST>                                       475
<LOANS-TROUBLED>                                 1,918
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,066
<CHARGE-OFFS>                                       57
<RECOVERIES>                                        82
<ALLOWANCE-CLOSE>                                4,023
<ALLOWANCE-DOMESTIC>                             4,023
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0