<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 12,070 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 6,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,199 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 112,434 <ALLOWANCE> 1,891 <TOTAL-ASSETS> 186,870 <DEPOSITS> 170,862 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,963 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,276 <OTHER-SE> 2,694 <TOTAL-LIABILITIES-AND-EQUITY> 186,870 <INTEREST-LOAN> 5,704 <INTEREST-INVEST> 1,148 <INTEREST-OTHER> 255 <INTEREST-TOTAL> 7,107 <INTEREST-DEPOSIT> 2,569 <INTEREST-EXPENSE> 2,609 <INTEREST-INCOME-NET> 4,498 <LOAN-LOSSES> 835 <SECURITIES-GAINS> (34) <EXPENSE-OTHER> 8,351 <INCOME-PRETAX> (3,288) <INCOME-PRE-EXTRAORDINARY> (3,288) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (1,907) <EPS-PRIMARY> (1.03) <EPS-DILUTED> (1.00) <YIELD-ACTUAL> 6.09 <LOANS-NON> 2,496 <LOANS-PAST> 222 <LOANS-TROUBLED> 31 <LOANS-PROBLEM> 261 <ALLOWANCE-OPEN> 1,615 <CHARGE-OFFS> 674 <RECOVERIES> 115 <ALLOWANCE-CLOSE> 1,891 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,891