<ARTICLE> 9
<MULTIPLIER> 1,000
       
                            
<PERIOD-TYPE>                 3-MOS
<FISCAL-YEAR-END>                         DEC-31-1997
<PERIOD-END>                              JUN-30-1997
<CASH>                                         45,011
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                  532
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   182,393
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                       760,403
<ALLOWANCE>                                     7,864
<TOTAL-ASSETS>                              1,147,684
<DEPOSITS>                                    901,087
<SHORT-TERM>                                  101,832
<LIABILITIES-OTHER>                            17,882
<LONG-TERM>                                    39,400
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       15,207
<OTHER-SE>                                     72,276
<TOTAL-LIABILITIES-AND-EQUITY>              1,147,684
<INTEREST-LOAN>                                40,563
<INTEREST-INVEST>                               5,430
<INTEREST-OTHER>                                   59
<INTEREST-TOTAL>                               46,052
<INTEREST-DEPOSIT>                             15,851
<INTEREST-EXPENSE>                             20,582
<INTEREST-INCOME-NET>                          25,470
<LOAN-LOSSES>                                     938
<SECURITIES-GAINS>                                 11
<EXPENSE-OTHER>                                25,192
<INCOME-PRETAX>                                 9,349
<INCOME-PRE-EXTRAORDINARY>                          0
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    6,004
<EPS-PRIMARY>                                     .99
<EPS-DILUTED>                                     .99
<YIELD-ACTUAL>                                   4.85
<LOANS-NON>                                     2,537
<LOANS-PAST>                                    3,046
<LOANS-TROUBLED>                                  368
<LOANS-PROBLEM>                                   221
<ALLOWANCE-OPEN>                                7,281
<CHARGE-OFFS>                                   (809)
<RECOVERIES>                                      244
<ALLOWANCE-CLOSE>                               7,864
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0