<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at June 30, 1996 and the
Consolidated Statement of Operations for the six months Ended June 30,
1996 and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          26,775
<INT-BEARING-DEPOSITS>                       1,081,178
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    496,891
<INVESTMENTS-CARRYING>                         303,404
<INVESTMENTS-MARKET>                           296,239
<LOANS>                                        667,773
<ALLOWANCE>                                      9,939
<TOTAL-ASSETS>                               1,550,275
<DEPOSITS>                                   1,121,466
<SHORT-TERM>                                   240,751
<LIABILITIES-OTHER>                             25,140
<LONG-TERM>                                     68,850
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      94,018
<TOTAL-LIABILITIES-AND-EQUITY>               1,550,275
<INTEREST-LOAN>                                 13,487
<INTEREST-INVEST>                               13,526
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                27,013
<INTEREST-DEPOSIT>                              11,086
<INTEREST-EXPENSE>                              15,001
<INTEREST-INCOME-NET>                           12,012
<LOAN-LOSSES>                                    1,125
<SECURITIES-GAINS>                                (45)
<EXPENSE-OTHER>                                  8,015
<INCOME-PRETAX>                                  5,656
<INCOME-PRE-EXTRAORDINARY>                       5,656
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,026
<EPS-PRIMARY>                                     0.69
<EPS-DILUTED>                                     0.69
<YIELD-ACTUAL>                                    7.47
<LOANS-NON>                                      9,712
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 3,806
<LOANS-PROBLEM>                                 19,977
<ALLOWANCE-OPEN>                                 8,573
<CHARGE-OFFS>                                    1,130
<RECOVERIES>                                       721
<ALLOWANCE-CLOSE>                                9,939
<ALLOWANCE-DOMESTIC>                             9,939
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0