<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> JUN-30-1998 <CASH> 6,232 <INT-BEARING-DEPOSITS> 946 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,940 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 156,539 <ALLOWANCE> 1,960 <TOTAL-ASSETS> 206,813 <DEPOSITS> 182,980 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,583 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 892 <OTHER-SE> 17,358 <TOTAL-LIABILITIES-AND-EQUITY> 206,813 <INTEREST-LOAN> 7,214 <INTEREST-INVEST> 1,108 <INTEREST-OTHER> 78 <INTEREST-TOTAL> 8,400 <INTEREST-DEPOSIT> 3,902 <INTEREST-EXPENSE> 3,993 <INTEREST-INCOME-NET> 4,407 <LOAN-LOSSES> 465 <SECURITIES-GAINS> 10 <EXPENSE-OTHER> 2,959 <INCOME-PRETAX> 1,849 <INCOME-PRE-EXTRAORDINARY> 1,849 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,240 <EPS-PRIMARY> 1.40 <EPS-DILUTED> 1.40 <YIELD-ACTUAL> 2.31 <LOANS-NON> 819 <LOANS-PAST> 339 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,725 <CHARGE-OFFS> 259 <RECOVERIES> 29 <ALLOWANCE-CLOSE> 1,960 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,960