<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       3,686,931
<INT-BEARING-DEPOSITS>                      13,176,570
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 50,386,257
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    745,057,491
<ALLOWANCE>                                  4,540,307
<TOTAL-ASSETS>                             845,438,085
<DEPOSITS>                                 560,353,267
<SHORT-TERM>                                60,358,932
<LIABILITIES-OTHER>                         16,208,461
<LONG-TERM>                                144,071,811
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    48,460,996
<OTHER-SE>                                  15,984,618
<TOTAL-LIABILITIES-AND-EQUITY>             845,438,085
<INTEREST-LOAN>                             14,196,567
<INTEREST-INVEST>                              942,443
<INTEREST-OTHER>                               320,181
<INTEREST-TOTAL>                            15,459,191
<INTEREST-DEPOSIT>                           6,035,135
<INTEREST-EXPENSE>                           9,115,767
<INTEREST-INCOME-NET>                        6,343,424
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                             (51,031)
<EXPENSE-OTHER>                              3,919,701
<INCOME-PRETAX>                              4,055,211
<INCOME-PRE-EXTRAORDINARY>                   4,055,211
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,795,211
<EPS-PRIMARY>                                     0.52
<EPS-DILUTED>                                     0.52
<YIELD-ACTUAL>                                    3.07
<LOANS-NON>                                  1,052,539
<LOANS-PAST>                                    19,189
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                937,206
<ALLOWANCE-OPEN>                             4,566,475
<CHARGE-OFFS>                                  130,800
<RECOVERIES>                                    14,632
<ALLOWANCE-CLOSE>                            4,540,307
<ALLOWANCE-DOMESTIC>                         4,089,266
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        451,041