<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