<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANTS FORM 10-Q FOR THE QUARTER ENDED MARCH 31, 1997.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                            2067
<INT-BEARING-DEPOSITS>                            2015
<FED-FUNDS-SOLD>                                  1944
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                         17
<INVESTMENTS-CARRYING>                            7204
<INVESTMENTS-MARKET>                              7056
<LOANS>                                         154951
<ALLOWANCE>                                       2362
<TOTAL-ASSETS>                                  179930
<DEPOSITS>                                      137003
<SHORT-TERM>                                     17209
<LIABILITIES-OTHER>                               1919
<LONG-TERM>                                       8673
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      15000
<COMMON>                                            11
<OTHER-SE>                                         115
<TOTAL-LIABILITIES-AND-EQUITY>                  179930
<INTEREST-LOAN>                                   3149
<INTEREST-INVEST>                                  149
<INTEREST-OTHER>                                    73
<INTEREST-TOTAL>                                  3371
<INTEREST-DEPOSIT>                                1758
<INTEREST-EXPENSE>                                2159
<INTEREST-INCOME-NET>                             1212
<LOAN-LOSSES>                                     (22)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1819
<INCOME-PRETAX>                                     18
<INCOME-PRE-EXTRAORDINARY>                          18
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        18
<EPS-PRIMARY>                                    (.36)
<EPS-DILUTED>                                    (.36)
<YIELD-ACTUAL>                                    2.91
<LOANS-NON>                                       3179
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   328
<LOANS-PROBLEM>                                   1799
<ALLOWANCE-OPEN>                                  2556
<CHARGE-OFFS>                                      172
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                 2362
<ALLOWANCE-DOMESTIC>                              2096
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            266