<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JUN-30-1997 <CASH> 61,860 <INT-BEARING-DEPOSITS> 596 <FED-FUNDS-SOLD> 275 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 606,366 <INVESTMENTS-CARRYING> 606,366 <INVESTMENTS-MARKET> 606,366 <LOANS> 940,362 <ALLOWANCE> 12,581 <TOTAL-ASSETS> 1,654,920 <DEPOSITS> 1,196,834 <SHORT-TERM> 223,936 <LIABILITIES-OTHER> 14,802 <LONG-TERM> 64,564 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 835 <OTHER-SE> 153,949 <TOTAL-LIABILITIES-AND-EQUITY> 1,654,920 <INTEREST-LOAN> 40,442 <INTEREST-INVEST> 19,852 <INTEREST-OTHER> 77 <INTEREST-TOTAL> 60,371 <INTEREST-DEPOSIT> 22,889 <INTEREST-EXPENSE> 30,700 <INTEREST-INCOME-NET> 29,671 <LOAN-LOSSES> 2,737 <SECURITIES-GAINS> 355 <EXPENSE-OTHER> 19,208 <INCOME-PRETAX> 12,004 <INCOME-PRE-EXTRAORDINARY> 12,004 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,805 <EPS-PRIMARY> 1.32 <EPS-DILUTED> 1.32 <YIELD-ACTUAL> 4.20 <LOANS-NON> 3,765 <LOANS-PAST> 7,699 <LOANS-TROUBLED> 58 <LOANS-PROBLEM> 1,400 <ALLOWANCE-OPEN> 10,756 <CHARGE-OFFS> 1,444 <RECOVERIES> 532 <ALLOWANCE-CLOSE> 12,581 <ALLOWANCE-DOMESTIC> 12,581 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0