<ARTICLE>                                   9
<MULTIPLIER>                            1,000
                                             
                                       
<PERIOD-TYPE>                           6-MOS
<FISCAL-YEAR-END>                     Dec-31-1997
<PERIOD-END>                          Jun-30-1997
<CASH>                                  7,055
<INT-BEARING-DEPOSITS>                      0
<FED-FUNDS-SOLD>                       16,750
<TRADING-ASSETS>                            0
<INVESTMENTS-HELD-FOR-SALE>            10,555
<INVESTMENTS-CARRYING>                 10,555
<INVESTMENTS-MARKET>                   10,569
<LOANS>                                62,070
<ALLOWANCE>                             1,500
<TOTAL-ASSETS>                        101,752
<DEPOSITS>                             91,985
<SHORT-TERM>                                0
<LIABILITIES-OTHER>                     1,521
<LONG-TERM>                             2,381
<PREFERRED-MANDATORY>                       0
<PREFERRED>                             2,303
<COMMON>                                  179
<OTHER-SE>                                  0
<TOTAL-LIABILITIES-AND-EQUITY>        101,752
<INTEREST-LOAN>                         4,622
<INTEREST-INVEST>                         281
<INTEREST-OTHER>                          471
<INTEREST-TOTAL>                        5,374
<INTEREST-DEPOSIT>                        943
<INTEREST-EXPENSE>                        111
<INTEREST-INCOME-NET>                   4,320
<LOAN-LOSSES>                           1,762
<SECURITIES-GAINS>                          0
<EXPENSE-OTHER>                         5,192
<INCOME-PRETAX>                       (1,388)
<INCOME-PRE-EXTRAORDINARY>            (1,388)
<EXTRAORDINARY>                             0
<CHANGES>                                   0
<NET-INCOME>                          (1,388)
<EPS-PRIMARY>                         ($7.75)
<EPS-DILUTED>                               0
<YIELD-ACTUAL>                           4.12
<LOANS-NON>                               425
<LOANS-PAST>                            1,874
<LOANS-TROUBLED>                            0
<LOANS-PROBLEM>                         3,053
<ALLOWANCE-OPEN>                        1,500
<CHARGE-OFFS>                           2,189
<RECOVERIES>                              427
<ALLOWANCE-CLOSE>                       1,500
<ALLOWANCE-DOMESTIC>                    1,500
<ALLOWANCE-FOREIGN>                         0
<ALLOWANCE-UNALLOCATED>                     0