<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   6-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               JUN-30-1997             DEC-31-1996
<CASH>                                          18,203                  17,233
<INT-BEARING-DEPOSITS>                         307,205                 305,491
<FED-FUNDS-SOLD>                                     0                   2,075
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     10,625                  12,647
<INVESTMENTS-CARRYING>                         181,520                 143,216
<INVESTMENTS-MARKET>                           182,660                 143,221
<LOANS>                                        335,223                 311,246
<ALLOWANCE>                                      4,779                   4,472
<TOTAL-ASSETS>                                 580,433                 510,078
<DEPOSITS>                                     351,005                 353,240
<SHORT-TERM>                                   163,884                  93,760
<LIABILITIES-OTHER>                              5,926                   5,256
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,436                   2,436
<OTHER-SE>                                      57,182                  55,386
<TOTAL-LIABILITIES-AND-EQUITY>                 580,433                 510,078
<INTEREST-LOAN>                                 15,349                  29,483
<INTEREST-INVEST>                                6,423                  10,281
<INTEREST-OTHER>                                   279                   1,251
<INTEREST-TOTAL>                                22,051                  41,015
<INTEREST-DEPOSIT>                               6,549                  13,982
<INTEREST-EXPENSE>                              10,407                  19,105
<INTEREST-INCOME-NET>                           11,644                  21,910
<LOAN-LOSSES>                                      572                     838
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  6,437                  12,338
<INCOME-PRETAX>                                  6,670                  12,145
<INCOME-PRE-EXTRAORDINARY>                       6,670                  12,145
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,419                   8,115
<EPS-PRIMARY>                                     1.94                    3.48
<EPS-DILUTED>                                     1.91                    3.43
<YIELD-ACTUAL>                                    8.48                    8.67
<LOANS-NON>                                      1,396                   1,674
<LOANS-PAST>                                       523                     599
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  1,919                   2,273
<ALLOWANCE-OPEN>                                 4,473                   4,080
<CHARGE-OFFS>                                      478                     656
<RECOVERIES>                                       212                     210
<ALLOWANCE-CLOSE>                                4,779                   4,472
<ALLOWANCE-DOMESTIC>                             4,679                   4,175
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            100                     297