<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>                                          17,497
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     47,061
<INVESTMENTS-CARRYING>                          13,417
<INVESTMENTS-MARKET>                            13,445
<LOANS>                                        205,982
<ALLOWANCE>                                      5,411
<TOTAL-ASSETS>                                 295,613
<DEPOSITS>                                     248,770
<SHORT-TERM>                                    21,951
<LIABILITIES-OTHER>                              2,139
<LONG-TERM>                                         80
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,571
<OTHER-SE>                                       9,102
<TOTAL-LIABILITIES-AND-EQUITY>                 295,613
<INTEREST-LOAN>                                  9,941
<INTEREST-INVEST>                                1,946
<INTEREST-OTHER>                                   420
<INTEREST-TOTAL>                                12,307
<INTEREST-DEPOSIT>                               4,258
<INTEREST-EXPENSE>                               4,360
<INTEREST-INCOME-NET>                            7,947
<LOAN-LOSSES>                                      686
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,348
<INCOME-PRETAX>                                  2,665
<INCOME-PRE-EXTRAORDINARY>                       2,665
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,663
<EPS-PRIMARY>                                     1.01
<EPS-DILUTED>                                      .97
<YIELD-ACTUAL>                                    9.61
<LOANS-NON>                                      6,745
<LOANS-PAST>                                        50
<LOANS-TROUBLED>                                   416
<LOANS-PROBLEM>                                  3,213
<ALLOWANCE-OPEN>                                 5,514
<CHARGE-OFFS>                                      991
<RECOVERIES>                                       202
<ALLOWANCE-CLOSE>                                5,411
<ALLOWANCE-DOMESTIC>                             5,411
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0