<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S FORM 10-Q FOR THE QUARTER ENDED JUNE 30, 1997 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           2,065
<INT-BEARING-DEPOSITS>                          11,419
<FED-FUNDS-SOLD>                                 2,052
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                         17
<INVESTMENTS-CARRYING>                           7,204
<INVESTMENTS-MARKET>                             7,094
<LOANS>                                        156,457
<ALLOWANCE>                                      2,128
<TOTAL-ASSETS>                                 190,085
<DEPOSITS>                                     146,003
<SHORT-TERM>                                    19,728
<LIABILITIES-OTHER>                              1,491
<LONG-TERM>                                      7,346
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     15,000
<COMMON>                                            11
<OTHER-SE>                                         506
<TOTAL-LIABILITIES-AND-EQUITY>                 190,085
<INTEREST-LOAN>                                  6,553
<INTEREST-INVEST>                                  342
<INTEREST-OTHER>                                   130
<INTEREST-TOTAL>                                 7,025
<INTEREST-DEPOSIT>                               3,644
<INTEREST-EXPENSE>                               4,446
<INTEREST-INCOME-NET>                            2,579
<LOAN-LOSSES>                                       85
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,496
<INCOME-PRETAX>                                    408
<INCOME-PRE-EXTRAORDINARY>                         408
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       408
<EPS-PRIMARY>                                    (.36)
<EPS-DILUTED>                                    (.36)
<YIELD-ACTUAL>                                    3.03
<LOANS-NON>                                      2,259
<LOANS-PAST>                                       384
<LOANS-TROUBLED>                                   299
<LOANS-PROBLEM>                                  1,654
<ALLOWANCE-OPEN>                                 2,556
<CHARGE-OFFS>                                      514
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                2,128
<ALLOWANCE-DOMESTIC>                             2,015
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            113