<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information exctracted from the June
30, 1997 10-Q and is qualified in its entirety by reference to such 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          25,729
<INT-BEARING-DEPOSITS>                              36
<FED-FUNDS-SOLD>                                 4,500
<TRADING-ASSETS>                                   522
<INVESTMENTS-HELD-FOR-SALE>                     37,942
<INVESTMENTS-CARRYING>                         100,831
<INVESTMENTS-MARKET>                            99,666
<LOANS>                                        394,800
<ALLOWANCE>                                     16,110
<TOTAL-ASSETS>                                 582,472
<DEPOSITS>                                     504,329
<SHORT-TERM>                                    11,077
<LIABILITIES-OTHER>                             11,298
<LONG-TERM>                                      6,420
<COMMON>                                            44
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      49,304
<TOTAL-LIABILITIES-AND-EQUITY>                 582,472
<INTEREST-LOAN>                                 19,071
<INTEREST-INVEST>                                4,792
<INTEREST-OTHER>                                    38
<INTEREST-TOTAL>                                23,077
<INTEREST-DEPOSIT>                               8,518
<INTEREST-EXPENSE>                               52576
<INTEREST-INCOME-NET>                           14,858
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                (56)
<EXPENSE-OTHER>                                 12,980
<INCOME-PRETAX>                                  5,053
<INCOME-PRE-EXTRAORDINARY>                       5,053
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,942
<EPS-PRIMARY>                                      .89
<EPS-DILUTED>                                      .89
<YIELD-ACTUAL>                                    5.57
<LOANS-NON>                                      3,295
<LOANS-PAST>                                       634
<LOANS-TROUBLED>                                 2,198
<LOANS-PROBLEM>                                 10,491
<ALLOWANCE-OPEN>                                15,700
<CHARGE-OFFS>                                  (1,025)
<RECOVERIES>                                     1,135
<ALLOWANCE-CLOSE>                               16,110
<ALLOWANCE-DOMESTIC>                            16,110
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,390