<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Consolidated  Balance  Sheet,  The  Consolidated  Statement  of Income  and Bank
records and is qualified in its entirety by reference to such reports on Form
10-Q.

</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   JUN-30-1997
<CASH>                                          37,148
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    103,275
<INVESTMENTS-CARRYING>                         118,683
<INVESTMENTS-MARKET>                           118,567
<LOANS>                                        796,403
<ALLOWANCE>                                      6,281
<TOTAL-ASSETS>                               1,109,713
<DEPOSITS>                                     830,325
<SHORT-TERM>                                    86,080
<LIABILITIES-OTHER>                             19,799
<LONG-TERM>                                    110,065
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,000
<COMMON>                                         3,491
<OTHER-SE>                                      54,953
<TOTAL-LIABILITIES-AND-EQUITY>               1,109,713
<INTEREST-LOAN>                                 38,372
<INTEREST-INVEST>                                7,127
<INTEREST-OTHER>                                   353
<INTEREST-TOTAL>                                45,852
<INTEREST-DEPOSIT>                              19,812
<INTEREST-EXPENSE>                              25,605
<INTEREST-INCOME-NET>                           20,247
<LOAN-LOSSES>                                    2,714
<SECURITIES-GAINS>                                  16
<EXPENSE-OTHER>                                 16,286
<INCOME-PRETAX>                                  8,500
<INCOME-PRE-EXTRAORDINARY>                       8,500
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,536
<EPS-PRIMARY>                                      .72
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    3.85
<LOANS-NON>                                      2,823
<LOANS-PAST>                                    16,608
<LOANS-TROUBLED>                                 1,809
<LOANS-PROBLEM>                                  2,718
<ALLOWANCE-OPEN>                                 6,281
<CHARGE-OFFS>                                    2,965
<RECOVERIES>                                       291
<ALLOWANCE-CLOSE>                                6,281
<ALLOWANCE-DOMESTIC>                             6,281
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0