<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          19,546
<INT-BEARING-DEPOSITS>                             484
<FED-FUNDS-SOLD>                                 8,875
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,197
<INVESTMENTS-CARRYING>                          12,738
<INVESTMENTS-MARKET>                            12,990
<LOANS>                                        265,149
<ALLOWANCE>                                      2,832
<TOTAL-ASSETS>                                 381,060
<DEPOSITS>                                     300,595
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                              3,343
<LONG-TERM>                                     41,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           735
<OTHER-SE>                                      28,623
<TOTAL-LIABILITIES-AND-EQUITY>                 381,060
<INTEREST-LOAN>                                 11,909
<INTEREST-INVEST>                                2,154
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                14,063
<INTEREST-DEPOSIT>                               5,043
<INTEREST-EXPENSE>                               6,361
<INTEREST-INCOME-NET>                            7,702
<LOAN-LOSSES>                                      550
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,164
<INCOME-PRETAX>                                  1,562
<INCOME-PRE-EXTRAORDINARY>                       1,562
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,144
<EPS-PRIMARY>                                     1.52
<EPS-DILUTED>                                     1.52
<YIELD-ACTUAL>                                    4.85
<LOANS-NON>                                        520
<LOANS-PAST>                                       626
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,702
<CHARGE-OFFS>                                      652
<RECOVERIES>                                       232
<ALLOWANCE-CLOSE>                                2,832
<ALLOWANCE-DOMESTIC>                             2,114
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            718