<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
FINANCIAL STATEMENTS AT JUNE 30, 1997 AND DECEMBER 31, 1996, CONSOLIDATED
STATEMENT OF OPERATIONS FOR THE SIX MONTHS ENDED JUNE 30, 1997 AND 1996, AND
FORM 10-Q FOR THE SIX MONTHS ENDED JUNE 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>                                          13,412
<INT-BEARING-DEPOSITS>                          24,090
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   480
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         136,319
<INVESTMENTS-MARKET>                           136,237
<LOANS>                                        616,031
<ALLOWANCE>                                    (4,960)
<TOTAL-ASSETS>                                 947,107
<DEPOSITS>                                     776,590
<SHORT-TERM>                                    47,247
<LIABILITIES-OTHER>                              9,241
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,381
<OTHER-SE>                                     106,648
<TOTAL-LIABILITIES-AND-EQUITY>                 947,107
<INTEREST-LOAN>                                 25,132
<INTEREST-INVEST>                                7,647
<INTEREST-OTHER>                                 1,026
<INTEREST-TOTAL>                                33,805
<INTEREST-DEPOSIT>                              16,238
<INTEREST-EXPENSE>                              17,780
<INTEREST-INCOME-NET>                           16,025
<LOAN-LOSSES>                                      404
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 12,522
<INCOME-PRETAX>                                  5,928
<INCOME-PRE-EXTRAORDINARY>                       5,928
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,547
<EPS-PRIMARY>                                      .55
<EPS-DILUTED>                                      .55
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                      2,100
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,756
<ALLOWANCE-OPEN>                                 4,617
<CHARGE-OFFS>                                      225
<RECOVERIES>                                       194
<ALLOWANCE-CLOSE>                                  404
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,960