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

  

<ARTICLE> 9
<MULTIPLIER> 1,000
       
          
<PERIOD-TYPE> SIX MONTHS
<PERIOD-END> JUNE 30, 1996
<CASH>       2,089
<INT-BEARING DEPOSITS>
<FED-FUNDS-SOLD>    5,881
<TRADING-ASSETS>
<INVESTMENTS-HELD-FOR-SALE>   5,552
<INVESTMENTS-CARRYING>
<INVESTMENTS-MARKET>
<LOANS>      54,866
<ALLOWANCE>    2,209
<TOTAL-ASSETS> 76,379
<DEPOSITS>     72,298
<SHORT-TERM>      548
<LIABILITIES-OTHER> 1,607
<LONG-TERM>    1,310
<COMMON>      19
<PREFERRED-MANDATORY>
<PREFERRED>   12,620
<OTHER-SE>     (12,004)
<TOTAL-LIABILITIES-AND-EQUITY>     76,379
<INTEREST-LOAN>     2,488
<INTEREST-INVEST>   178
<INTEREST-OTHER>    172
<INTEREST-TOTAL>    2,798
<INTEREST-DEPOSIT>  1,567
<INTEREST-EXPENSE>  1,697
<INTEREST-INCOME-NET>    1,001
<LOAN-LOSSES>  100
<SECURITIES-GAINS>  10
<EXPENSE-OTHER>     2,037
<INCOME-PRETAX>     (106)
<INCOME-PRE-EXTRAORDINARY>
<EXTRAORDINARY>
<CHANGES>
<NET-INCOME>   (106)
<EPS-PRIMARY>  (.42)
<EPS-DILUTED>
<YIELD-ACTUAL> 3.29
<LOANS-NON>    4,744
<LOANS-PAST>   5,219
<LOANS-TROUBLED>
<LOANS-PROBLEM>
<ALLOWANCE-OPEN>    2,070
<CHARGE-OFFS>  365
<RECOVERIES>   404
<ALLOWANCE-CLOSE>   2,209
<ALLOWANCE-DOMESTIC>     2,209
<ALLOWANCE-FOREIGN>
<ALLOWANCE-UNALLOCATED>