<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 13,414 <INT-BEARING-DEPOSITS> 266 <FED-FUNDS-SOLD> 7,775 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,747 <INVESTMENTS-CARRYING> 11,451 <INVESTMENTS-MARKET> 0 <LOANS> 193,092 <ALLOWANCE> 2,268 <TOTAL-ASSETS> 293,024 <DEPOSITS> 257,678 <SHORT-TERM> 14,189 <LIABILITIES-OTHER> 88 <LONG-TERM> 105 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,964 <OTHER-SE> 5,300 <TOTAL-LIABILITIES-AND-EQUITY> 293,024 <INTEREST-LOAN> 4,943 <INTEREST-INVEST> 966 <INTEREST-OTHER> 47 <INTEREST-TOTAL> 5,956 <INTEREST-DEPOSIT> 2,147 <INTEREST-EXPENSE> 188 <INTEREST-INCOME-NET> 3,621 <LOAN-LOSSES> 3,236 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,180 <INCOME-PRETAX> (1,583) <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (943) <EPS-PRIMARY> (0.36) <EPS-DILUTED> (0.36) <YIELD-ACTUAL> 9.43 <LOANS-NON> 2,322 <LOANS-PAST> 337 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,792 <CHARGE-OFFS> 4,137 <RECOVERIES> 137 <ALLOWANCE-CLOSE> 2,268 <ALLOWANCE-DOMESTIC> 2,268 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0