<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 13,616 <INT-BEARING-DEPOSITS> 225 <FED-FUNDS-SOLD> 817 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 16,879 <INVESTMENTS-MARKET> 16,934 <LOANS> 159,031 <ALLOWANCE> (1,736) <TOTAL-ASSETS> 276,533 <DEPOSITS> 217,163 <SHORT-TERM> 18,300 <LIABILITIES-OTHER> 2,568 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,038 <OTHER-SE> 19,464 <TOTAL-LIABILITIES-AND-EQUITY> 276,533 <INTEREST-LOAN> 3,652 <INTEREST-INVEST> 632 <INTEREST-OTHER> 2,354 <INTEREST-TOTAL> 6,638 <INTEREST-DEPOSIT> 2,217 <INTEREST-EXPENSE> 2,533 <INTEREST-INCOME-NET> 4,105 <LOAN-LOSSES> 177 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,228 <INCOME-PRETAX> 2,142 <INCOME-PRE-EXTRAORDINARY> 1,374 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,374 <EPS-BASIC> .37 <EPS-DILUTED> .35 <YIELD-ACTUAL> 10.47 <LOANS-NON> 533 <LOANS-PAST> 856 <LOANS-TROUBLED> 160 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> (1872) <CHARGE-OFFS> 316 <RECOVERIES> (3) <ALLOWANCE-CLOSE> (1,736) <ALLOWANCE-DOMESTIC> (1,736) <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> (1,736)