<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>                                           9,722
<INT-BEARING-DEPOSITS>                           1,480
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,739
<INVESTMENTS-CARRYING>                          26,567
<INVESTMENTS-MARKET>                            26,717
<LOANS>                                        270,890
<ALLOWANCE>                                      3,114
<TOTAL-ASSETS>                                 323,462
<DEPOSITS>                                     275,865
<SHORT-TERM>                                    13,873
<LIABILITIES-OTHER>                              3,437
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           345
<OTHER-SE>                                      29,942
<TOTAL-LIABILITIES-AND-EQUITY>                 323,462
<INTEREST-LOAN>                                 11,354
<INTEREST-INVEST>                                  956
<INTEREST-OTHER>                                   276
<INTEREST-TOTAL>                                12,586
<INTEREST-DEPOSIT>                               5,779
<INTEREST-EXPENSE>                               6,223
<INTEREST-INCOME-NET>                            6,363
<LOAN-LOSSES>                                       40
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,969
<INCOME-PRETAX>                                  3,030
<INCOME-PRE-EXTRAORDINARY>                       3,030
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,825
<EPS-PRIMARY>                                     1.32
<EPS-DILUTED>                                     1.31
<YIELD-ACTUAL>                                    4.08
<LOANS-NON>                                        775
<LOANS-PAST>                                       190
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,074
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                3,114
<ALLOWANCE-DOMESTIC>                             2,335
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            779