<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FOUND ON PAGES 2
AND 3 OF THE COMPANY'S FORM 10-Q FOR JUNE 30, 1998 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          25,293
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                17,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     17,725
<INVESTMENTS-CARRYING>                          11,655
<INVESTMENTS-MARKET>                            11,706
<LOANS>                                        223,445
<ALLOWANCE>                                      3,528
<TOTAL-ASSETS>                                 307,722
<DEPOSITS>                                     275,471
<SHORT-TERM>                                     2,201
<LIABILITIES-OTHER>                              2,279
<LONG-TERM>                                        409
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,058
<OTHER-SE>                                      11,304
<TOTAL-LIABILITIES-AND-EQUITY>                 307,722
<INTEREST-LOAN>                                 11,185
<INTEREST-INVEST>                                  848
<INTEREST-OTHER>                                   212
<INTEREST-TOTAL>                                12,245
<INTEREST-DEPOSIT>                               2,873
<INTEREST-EXPENSE>                               2,922
<INTEREST-INCOME-NET>                            9,323
<LOAN-LOSSES>                                    1,040
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,419
<INCOME-PRETAX>                                  3,606
<INCOME-PRE-EXTRAORDINARY>                       2,139
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,139
<EPS-PRIMARY>                                     0.46
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    7.40
<LOANS-NON>                                      1,370
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 5,023
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,268
<CHARGE-OFFS>                                      915
<RECOVERIES>                                       135
<ALLOWANCE-CLOSE>                                3,528
<ALLOWANCE-DOMESTIC>                             3,528
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0