<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at June 30, 1997 and
the Consolidated Statement of Operations for the six months Ended
June 30, 1997 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          40,182
<INT-BEARING-DEPOSITS>                       1,177,543
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    426,408
<INVESTMENTS-CARRYING>                         277,987
<INVESTMENTS-MARKET>                           274,375
<LOANS>                                        983,444
<ALLOWANCE>                                     11,315
<TOTAL-ASSETS>                               1,781,545
<DEPOSITS>                                   1,236,274
<SHORT-TERM>                                   324,932
<LIABILITIES-OTHER>                             26,745
<LONG-TERM>                                     87,661
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                     105,883
<TOTAL-LIABILITIES-AND-EQUITY>               1,781,545
<INTEREST-LOAN>                                 36,683
<INTEREST-INVEST>                               23,730
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                60,413
<INTEREST-DEPOSIT>                              23,596
<INTEREST-EXPENSE>                              34,606
<INTEREST-INCOME-NET>                           25,807
<LOAN-LOSSES>                                    1,450
<SECURITIES-GAINS>                                (16)
<EXPENSE-OTHER>                                 20,607
<INCOME-PRETAX>                                  8,904
<INCOME-PRE-EXTRAORDINARY>                       8,904
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,605
<EPS-PRIMARY>                                     1.24
<EPS-DILUTED>                                     1.23
<YIELD-ACTUAL>                                    3.21
<LOANS-NON>                                      9,794
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,933
<LOANS-PROBLEM>                                 23,456
<ALLOWANCE-OPEN>                                10,704
<CHARGE-OFFS>                                    1,333
<RECOVERIES>                                       494
<ALLOWANCE-CLOSE>                               11,315
<ALLOWANCE-DOMESTIC>                            11,315
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0