<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF POSITION, THE CONSOLIDATED STATEMENTS OF EARNINGS,
THE NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS, AND THE SELECTED FINANCIAL
AND OTHER DATA 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-START>                             JAN-30-1996
<PERIOD-END>                               JAN-01-1996
<CASH>                                          21,482
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 6,895
<TRADING-ASSETS>                                   108
<INVESTMENTS-HELD-FOR-SALE>                    230,550
<INVESTMENTS-CARRYING>                          74,142
<INVESTMENTS-MARKET>                            71,914
<LOANS>                                        896,808
<ALLOWANCE>                                    (8,023)
<TOTAL-ASSETS>                               1,257,432
<DEPOSITS>                                   1,030,993
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              7,253
<LONG-TERM>                                    123,606
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,371
<OTHER-SE>                                      80,877
<TOTAL-LIABILITIES-AND-EQUITY>               1,257,432
<INTEREST-LOAN>                                 34,928
<INTEREST-INVEST>                                9,829
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                44,757
<INTEREST-DEPOSIT>                              23,246
<INTEREST-EXPENSE>                              25,932
<INTEREST-INCOME-NET>                           18,825
<LOAN-LOSSES>                                    1,700
<SECURITIES-GAINS>                                 535
<EXPENSE-OTHER>                                 11,375
<INCOME-PRETAX>                                  7,540
<INCOME-PRE-EXTRAORDINARY>                       4,576
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,576
<EPS-PRIMARY>                                     1.45
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                    3.12
<LOANS-NON>                                     15,267
<LOANS-PAST>                                       296
<LOANS-TROUBLED>                                 3,706
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,906
<CHARGE-OFFS>                                      919
<RECOVERIES>                                       336
<ALLOWANCE-CLOSE>                                8,023
<ALLOWANCE-DOMESTIC>                             8,023
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0