<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                         127,884
<INT-BEARING-DEPOSITS>                               0
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<LONG-TERM>                                    181,624
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<LOAN-LOSSES>                                   15,000
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