<ARTICLE>                                                     9
<MULTIPLIER>                                                  1,000
       
                                                           
<PERIOD-TYPE>                                                 6-MOS
<FISCAL-YEAR-END>                                             DEC-31-1997
<PERIOD-END>                                                  JUN-30-1997
<CASH>                                                             67,023
<INT-BEARING-DEPOSITS>                                                  0
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                       262,593
<INVESTMENTS-CARRYING>                                            346,992
<INVESTMENTS-MARKET>                                              353,735
<LOANS>                                                           735,877
<ALLOWANCE>                                                         9,599
<TOTAL-ASSETS>                                                  1,486,509
<DEPOSITS>                                                      1,232,555
<SHORT-TERM>                                                       24,000
<LIABILITIES-OTHER>                                                14,463
<LONG-TERM>                                                        75,000
<PREFERRED-MANDATORY>                                              29,800
<PREFERRED>                                                             0
<COMMON>                                                            7,536
<OTHER-SE>                                                        103,155
<TOTAL-LIABILITIES-AND-EQUITY>                                  1,486,509
<INTEREST-LOAN>                                                    32,131
<INTEREST-INVEST>                                                  22,829
<INTEREST-OTHER>                                                      144
<INTEREST-TOTAL>                                                   55,104
<INTEREST-DEPOSIT>                                                 19,617
<INTEREST-EXPENSE>                                                 26,150
<INTEREST-INCOME-NET>                                              28,955
<LOAN-LOSSES>                                                       1,580
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                    20,606
<INCOME-PRETAX>                                                    11,626
<INCOME-PRE-EXTRAORDINARY>                                         11,626
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                        7,333
<EPS-PRIMARY>                                                        0.95
<EPS-DILUTED>                                                        0.95
<YIELD-ACTUAL>                                                          0
<LOANS-NON>                                                             0
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                        0
<CHARGE-OFFS>                                                           0
<RECOVERIES>                                                            0
<ALLOWANCE-CLOSE>                                                       0
<ALLOWANCE-DOMESTIC>                                                    0
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0