<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE PERIOD ENDED JUNE 30, 1997 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           4,485
<INT-BEARING-DEPOSITS>                           1,835
<FED-FUNDS-SOLD>                                 2,235
<TRADING-ASSETS>                                 1,688
<INVESTMENTS-HELD-FOR-SALE>                      8,969
<INVESTMENTS-CARRYING>                             636
<INVESTMENTS-MARKET>                               630
<LOANS>                                         42,313
<ALLOWANCE>                                      (845)
<TOTAL-ASSETS>                                  66,138
<DEPOSITS>                                      42,978
<SHORT-TERM>                                    11,570
<LIABILITIES-OTHER>                              2,176
<LONG-TERM>                                      3,443<F1>
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        508
<COMMON>                                           231
<OTHER-SE>                                       3,935
<TOTAL-LIABILITIES-AND-EQUITY>                  66,138
<INTEREST-LOAN>                                  1,975
<INTEREST-INVEST>                                  333
<INTEREST-OTHER>                                   248
<INTEREST-TOTAL>                                 2,556
<INTEREST-DEPOSIT>                                 805
<INTEREST-EXPENSE>                               1,320
<INTEREST-INCOME-NET>                            1,236
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                  41
<EXPENSE-OTHER>                                    326
<INCOME-PRETAX>                                    701
<INCOME-PRE-EXTRAORDINARY>                         419
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       419
<EPS-PRIMARY>                                     2.66
<EPS-DILUTED>                                     2.62
<YIELD-ACTUAL>                                    4.43
<LOANS-NON>                                        351
<LOANS-PAST>                                        56
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   883
<CHARGE-OFFS>                                    (203)
<RECOVERIES>                                        45
<ALLOWANCE-CLOSE>                                  845
<ALLOWANCE-DOMESTIC>                               554
<ALLOWANCE-FOREIGN>                                176
<ALLOWANCE-UNALLOCATED>                            115
<FN>
<F1>INCLUDES GUARANTEED PREFERRED BENEFICIAL INTERESTS IN THE CORPORATION'S JUNIOR
SUBORDINATED DEBENTURES.
</FN>