<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