<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>                                             949
<INT-BEARING-DEPOSITS>                          45,122
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    117,946
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        966,547
<ALLOWANCE>                                     11,367
<TOTAL-ASSETS>                               1,278,597
<DEPOSITS>                                   1,011,934
<SHORT-TERM>                                    30,674
<LIABILITIES-OTHER>                             25,315
<LONG-TERM>                                     66,093
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           300
<OTHER-SE>                                     144,281
<TOTAL-LIABILITIES-AND-EQUITY>               1,278,597
<INTEREST-LOAN>                                 86,675
<INTEREST-INVEST>                                5,803
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                92,478
<INTEREST-DEPOSIT>                              29,409
<INTEREST-EXPENSE>                              34,485
<INTEREST-INCOME-NET>                           57,993
<LOAN-LOSSES>                                      672
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,227
<INCOME-PRETAX>                                 53,142
<INCOME-PRE-EXTRAORDINARY>                      53,142
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    50,977
<EPS-PRIMARY>                                   169.92
<EPS-DILUTED>                                   169.92
<YIELD-ACTUAL>                                    9.77
<LOANS-NON>                                    129,809
<LOANS-PAST>                                    44,970
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                13,189
<CHARGE-OFFS>                                    2,713
<RECOVERIES>                                       219
<ALLOWANCE-CLOSE>                               11,367
<ALLOWANCE-DOMESTIC>                            11,173
<ALLOWANCE-FOREIGN>                                194
<ALLOWANCE-UNALLOCATED>                              0