WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE>  9
<MULTIPLIER>  1,000
<CURRENCY>  U.S. DOLLARS
       
                                                          						
<PERIOD-TYPE>	                    6-MOS                                 	
<FISCAL-YEAR-END>		                 DEC-31-1997	
<PERIOD-START>                      JAN-01-1997
<PERIOD-END>			                     JUN-30-1997	
<EXCHANGE RATE>		                             1	
<CASH>		                      	           7,005      
<INT-BEARING-DEPOSITS>	                  39,384
<FED-FUNDS-SOLD>	                         6,000
<TRADING-ASSETS>	                             0   
<INVESTMENTS-HELD-FOR-SALE>               1,133 
<INVESTMENTS-CARRYING>		                  5,949
<INVESTMENTS-MARKET>		                    5,579 
<LOANS>                                  46,469
<ALLOWANCE>		                               785
<TOTAL-ASSETS>		                         68,904
<DEPOSITS>		                             64,568
<SHORT-TERM>		                                0 
<LIABILITIES-OTHER>		                       467
<LONG-TERM>		                                 0
<COMMON>		                                9,399
<PREFERRED-MANDATORY>		                       0
<PREFERRED>		                                 0
<OTHER-SE>		                            (5,490)
<TOTAL-LIABILITIES-AND-EQUITY>	          68,904
<INTEREST-LOAN>		                         1,796
<INTEREST-INVEST>		                         392
<INTEREST-OTHER>		                            0
<INTEREST-TOTAL>		                        2,188
<INTEREST-DEPOSIT>		                        572
<INTEREST-EXPENSE>		                        572
<INTEREST-INCOME-NET>		                   1,616
<LOAN-LOSSES>		                             150
<SECURITIES-GAINS>		                          0
<EXPENSE-OTHER> 		                        2,081
<INCOME-PRETAX>		                        (  446)
<INCOME-PRE-EXTRAORDINARY>	              (  446)
<EXTRAORDINARY>		                             0
<CHANGES>		                                   0
<NET-INCOME>		                           (  448)
<EPS-PRIMARY>		                          (  .31)
<EPS-DILUTED>		                          (  .31)
<YIELD-ACTUAL>		                           3.67
<LOANS-NON>		                             2,413
<LOANS-PAST>		                                0
<LOANS-TROUBLED>		                            0
<LOANS-PROBLEM>		                             0
<ALLOWANCE-OPEN>		                        1,088
<CHARGE-OFFS>		                             492
<RECOVERIES>		                               39
<ALLOWANCE-CLOSE>		                         785
<ALLOWANCE-DOMESTIC>		                        0
<ALLOWANCE-FOREIGN>		                         0
<ALLOWANCE-UNALLOCATED>		                   785