<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACED FROM THE
UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION JUN 30, 1997
AND THE RELATED UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS JUN 30,
1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO QUARTERLY REPORT
FORM 10-Q JUN 30, 1997.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          28,786
<INT-BEARING-DEPOSITS>                             365
<FED-FUNDS-SOLD>                                   235
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     86,033
<INVESTMENTS-CARRYING>                          18,711
<INVESTMENTS-MARKET>                            18,756
<LOANS>                                        408,834
<ALLOWANCE>                                      3,469
<TOTAL-ASSETS>                                 567,610
<DEPOSITS>                                     329,992
<SHORT-TERM>                                   123,776
<LIABILITIES-OTHER>                             13,429
<LONG-TERM>                                     45,129
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            69
<OTHER-SE>                                      55,215
<TOTAL-LIABILITIES-AND-EQUITY>                 567,610
<INTEREST-LOAN>                                 17,584
<INTEREST-INVEST>                                3,912
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                21,496
<INTEREST-DEPOSIT>                               5,444
<INTEREST-EXPENSE>                               9,824
<INTEREST-INCOME-NET>                           11,672
<LOAN-LOSSES>                                      372
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,430
<INCOME-PRETAX>                                  6,757
<INCOME-PRE-EXTRAORDINARY>                       4,278
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,278
<EPS-PRIMARY>                                     0.63
<EPS-DILUTED>                                     0.63
<YIELD-ACTUAL>                                    4.56
<LOANS-NON>                                        556
<LOANS-PAST>                                       811
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,284
<CHARGE-OFFS>                                      275
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                                3,469
<ALLOWANCE-DOMESTIC>                             3,469
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0