<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AS OF JUNE 30, 1997 AND THE CONSOLIDATED STATEMENT OF
OPERATIONS FOR THREE MONTHS ENDED JUNE 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1997
<CASH>                                          17,741
<INT-BEARING-DEPOSITS>                          20,801
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    185,203
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        735,699
<ALLOWANCE>                                      2,109
<TOTAL-ASSETS>                                 999,289
<DEPOSITS>                                     779,558
<SHORT-TERM>                                     2,736
<LIABILITIES-OTHER>                             21,070
<LONG-TERM>                                    112,246
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           677
<OTHER-SE>                                      83,002
<TOTAL-LIABILITIES-AND-EQUITY>                 999,289
<INTEREST-LOAN>                                 14,163
<INTEREST-INVEST>                                  192
<INTEREST-OTHER>                                 3,062
<INTEREST-TOTAL>                                17,417
<INTEREST-DEPOSIT>                               8,320
<INTEREST-EXPENSE>                               1,579
<INTEREST-INCOME-NET>                            7,518
<LOAN-LOSSES>                                       21
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,967
<INCOME-PRETAX>                                  2,533
<INCOME-PRE-EXTRAORDINARY>                       2,533
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,465
<EPS-PRIMARY>                                     0.22
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                    3.46
<LOANS-NON>                                      2,914
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    18
<LOANS-PROBLEM>                                  3,568
<ALLOWANCE-OPEN>                                 2,263
<CHARGE-OFFS>                                     (42)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,109
<ALLOWANCE-DOMESTIC>                               372
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,737