<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Form 10-Q filed as of June 30, 1997.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          22,389
<INT-BEARING-DEPOSITS>                             836
<FED-FUNDS-SOLD>                                 3,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    147,856
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        467,445
<ALLOWANCE>                                      7,298
<TOTAL-ASSETS>                                 661,517
<DEPOSITS>                                     545,330
<SHORT-TERM>                                    19,775
<LIABILITIES-OTHER>                              6,896
<LONG-TERM>                                     30,601
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,442
<OTHER-SE>                                      24,473
<TOTAL-LIABILITIES-AND-EQUITY>                 661,517
<INTEREST-LOAN>                                 20,758
<INTEREST-INVEST>                                4,281
<INTEREST-OTHER>                                   845
<INTEREST-TOTAL>                                25,884
<INTEREST-DEPOSIT>                              10,640
<INTEREST-EXPENSE>                              12,024
<INTEREST-INCOME-NET>                           13,860
<LOAN-LOSSES>                                    1,229
<SECURITIES-GAINS>                                (31)
<EXPENSE-OTHER>                                  9,426
<INCOME-PRETAX>                                  6,054
<INCOME-PRE-EXTRAORDINARY>                       4,127
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,127
<EPS-PRIMARY>                                     0.60
<EPS-DILUTED>                                     0.59
<YIELD-ACTUAL>                                    4.73
<LOANS-NON>                                        875
<LOANS-PAST>                                       580
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,873
<CHARGE-OFFS>                                    1,153
<RECOVERIES>                                       229
<ALLOWANCE-CLOSE>                                7,298
<ALLOWANCE-DOMESTIC>                             7,298
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            786