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