<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> 508 <INT-BEARING-DEPOSITS> 4,346 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 13,936 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 67,290 <ALLOWANCE> (240) <TOTAL-ASSETS> 90,264 <DEPOSITS> 64,415 <SHORT-TERM> 6,500 <LIABILITIES-OTHER> 912 <LONG-TERM> 1,450 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,573 <OTHER-SE> 9,414 <TOTAL-LIABILITIES-AND-EQUITY> 90,264 <INTEREST-LOAN> 2,701 <INTEREST-INVEST> 418 <INTEREST-OTHER> 108 <INTEREST-TOTAL> 3,227 <INTEREST-DEPOSIT> 1,494 <INTEREST-EXPENSE> 1,683 <INTEREST-INCOME-NET> 1,544 <LOAN-LOSSES> 18 <SECURITIES-GAINS> 3 <EXPENSE-OTHER> 637 <INCOME-PRETAX> 1,011 <INCOME-PRE-EXTRAORDINARY> 629 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 629 <EPS-PRIMARY> .50 <EPS-DILUTED> .48 <YIELD-ACTUAL> 3.65 <LOANS-NON> 232 <LOANS-PAST> 232 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 245 <CHARGE-OFFS> (23) <RECOVERIES> 0 <ALLOWANCE-CLOSE> 240 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 240