<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> 19,992 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 25,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 89,567 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 80,567 <LOANS> 146,244 <ALLOWANCE> 3,686 <TOTAL-ASSETS> 285,720 <DEPOSITS> 228,246 <SHORT-TERM> 25,500 <LIABILITIES-OTHER> 2,630 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,452 <OTHER-SE> 8,289 <TOTAL-LIABILITIES-AND-EQUITY> 285,720 <INTEREST-LOAN> 8,369 <INTEREST-INVEST> 2,783 <INTEREST-OTHER> 353 <INTEREST-TOTAL> 11,505 <INTEREST-DEPOSIT> 2,447 <INTEREST-EXPENSE> 3,179 <INTEREST-INCOME-NET> 8,326 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 11 <EXPENSE-OTHER> 5,921 <INCOME-PRETAX> 5,320 <INCOME-PRE-EXTRAORDINARY> 5,320 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,557 <EPS-PRIMARY> 0.65 <EPS-DILUTED> 0.63 <YIELD-ACTUAL> .066 <LOANS-NON> 49 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,609 <CHARGE-OFFS> 107 <RECOVERIES> 34 <ALLOWANCE-CLOSE> 3,686 <ALLOWANCE-DOMESTIC> 3,686 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0