<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> 23,144 <INT-BEARING-DEPOSITS> 1,250 <FED-FUNDS-SOLD> 4,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 133,034 <INVESTMENTS-CARRYING> 8,384 <INVESTMENTS-MARKET> 8,403 <LOANS> 241,532 <ALLOWANCE> 4,246 <TOTAL-ASSETS> 447,572 <DEPOSITS> 382,372 <SHORT-TERM> 18,020 <LIABILITIES-OTHER> 1,828 <LONG-TERM> 3,388 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,998 <OTHER-SE> 7,811 <TOTAL-LIABILITIES-AND-EQUITY> 447,572 <INTEREST-LOAN> 11,780 <INTEREST-INVEST> 3,990 <INTEREST-OTHER> 684 <INTEREST-TOTAL> 16,454 <INTEREST-DEPOSIT> 6,033 <INTEREST-EXPENSE> 6,689 <INTEREST-INCOME-NET> 9,765 <LOAN-LOSSES> 990 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,701 <INCOME-PRETAX> 2,521 <INCOME-PRE-EXTRAORDINARY> 2,521 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,693 <EPS-PRIMARY> 0.37 <EPS-DILUTED> 0.36 <YIELD-ACTUAL> 5.12 <LOANS-NON> 1,995 <LOANS-PAST> 1,012 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,833 <CHARGE-OFFS> 827 <RECOVERIES> 250 <ALLOWANCE-CLOSE> 4,246 <ALLOWANCE-DOMESTIC> 4,246 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0