<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE
30, 1996, CONSOLIDATED BALANCE SHEET, AND THE JUNE 30, 1996, CONSOLIDATED
STATEMENT OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          88,309
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 7,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    293,944
<INVESTMENTS-CARRYING>                          35,649
<INVESTMENTS-MARKET>                            35,500
<LOANS>                                        565,286
<ALLOWANCE>                                     11,546
<TOTAL-ASSETS>                               1,042,654
<DEPOSITS>                                     895,286
<SHORT-TERM>                                    52,245
<LIABILITIES-OTHER>                             14,643
<LONG-TERM>                                        464
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        43,775
<OTHER-SE>                                      36,241
<TOTAL-LIABILITIES-AND-EQUITY>               1,042,654
<INTEREST-LOAN>                                 26,216
<INTEREST-INVEST>                                9,058
<INTEREST-OTHER>                                   267
<INTEREST-TOTAL>                                35,541
<INTEREST-DEPOSIT>                               8,902
<INTEREST-EXPENSE>                              10,214
<INTEREST-INCOME-NET>                           25,327
<LOAN-LOSSES>                                    1,643
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 21,093
<INCOME-PRETAX>                                 10,385
<INCOME-PRE-EXTRAORDINARY>                       6,055
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,055
<EPS-PRIMARY>                                     0.65
<EPS-DILUTED>                                     0.65
<YIELD-ACTUAL>                                    6.12
<LOANS-NON>                                     16,037
<LOANS-PAST>                                         2
<LOANS-TROUBLED>                                 6,755
<LOANS-PROBLEM>                                  1,186
<ALLOWANCE-OPEN>                                 9,626
<CHARGE-OFFS>                                      618
<RECOVERIES>                                       183
<ALLOWANCE-CLOSE>                               11,546
<ALLOWANCE-DOMESTIC>                             8,693
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,853