<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          56,011
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                27,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    324,144
<INVESTMENTS-CARRYING>                         265,595
<INVESTMENTS-MARKET>                           267,152
<LOANS>                                        789,859
<ALLOWANCE>                                     14,026
<TOTAL-ASSETS>                               1,532,005
<DEPOSITS>                                   1,391,674
<SHORT-TERM>                                     2,922
<LIABILITIES-OTHER>                             11,266
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            89
<OTHER-SE>                                     126,054
<TOTAL-LIABILITIES-AND-EQUITY>               1,532,005
<INTEREST-LOAN>                                 35,894
<INTEREST-INVEST>                               17,613
<INTEREST-OTHER>                                   809
<INTEREST-TOTAL>                                54,316
<INTEREST-DEPOSIT>                              24,287
<INTEREST-EXPENSE>                              24,350
<INTEREST-INCOME-NET>                           29,966
<LOAN-LOSSES>                                    1,800
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                 15,529
<INCOME-PRETAX>                                 15,657
<INCOME-PRE-EXTRAORDINARY>                      15,657
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,398
<EPS-PRIMARY>                                     1.06
<EPS-DILUTED>                                     1.06
<YIELD-ACTUAL>                                    4.48
<LOANS-NON>                                     13,618
<LOANS-PAST>                                     4,943
<LOANS-TROUBLED>                                 3,673
<LOANS-PROBLEM>                                 12,864
<ALLOWANCE-OPEN>                                13,529
<CHARGE-OFFS>                                    1,346
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                               14,026
<ALLOWANCE-DOMESTIC>                            14,026
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0