<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from financial
statement as of and for the 3rd and 6th months ended June 30, 1997 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS                       6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997                 DEC-31-1996
<PERIOD-START>                             JAN-01-1997                 JAN-01-1996
<PERIOD-END>                               JUN-30-1997                 JUN-30-1996
<CASH>                                           7,739                       3,115
<INT-BEARING-DEPOSITS>                          11,179                       2,383
<FED-FUNDS-SOLD>                                     0                           0
<TRADING-ASSETS>                                     0                           0
<INVESTMENTS-HELD-FOR-SALE>                    158,384                     231,478
<INVESTMENTS-CARRYING>                          58,952                      70,574
<INVESTMENTS-MARKET>                            58,652                      69,864
<LOANS>                                        347,925                     266,122
<ALLOWANCE>                                     18,555                       4,326
<TOTAL-ASSETS>                                 607,273                     592,771
<DEPOSITS>                                     382,119                     324,318
<SHORT-TERM>                                   151,873                     143,277
<LIABILITIES-OTHER>                             17,080                      10,531
<LONG-TERM>                                        803                      55,803
<COMMON>                                        55,398                      58,842
<PREFERRED-MANDATORY>                                0                           0
<PREFERRED>                                          0                           0
<OTHER-SE>                                           0                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 607,273                     592,771
<INTEREST-LOAN>                                 20,744                      10,607
<INTEREST-INVEST>                                7,392                      11,652
<INTEREST-OTHER>                                   431                         253
<INTEREST-TOTAL>                                28,567                      22,512
<INTEREST-DEPOSIT>                               8,706                       7,335
<INTEREST-EXPENSE>                              14,222                      12,694
<INTEREST-INCOME-NET>                           14,345                       9,817
<LOAN-LOSSES>                                   18,059                       1,125
<SECURITIES-GAINS>                                  75                       1,096
<EXPENSE-OTHER>                                 12,330                       7,536
<INCOME-PRETAX>                                 (8,323)                      2,876
<INCOME-PRE-EXTRAORDINARY>                      (5,294)                      1,877
<EXTRAORDINARY>                                      0                           0
<CHANGES>                                            0                           0
<NET-INCOME>                                     5,294                       1,877
<EPS-PRIMARY>                                   (1.51)                         .23
<EPS-DILUTED>                                   (1.51)                         .23
<YIELD-ACTUAL>                                    9.76                        7.80
<LOANS-NON>                                     17,774                       2,633
<LOANS-PAST>                                         0                           0
<LOANS-TROUBLED>                                     0                           0
<LOANS-PROBLEM>                                      0                           0
<ALLOWANCE-OPEN>                                 7,208                       3,460
<CHARGE-OFFS>                                    5,523                         259
<RECOVERIES>                                        32                           0
<ALLOWANCE-CLOSE>                               18,555                       4,326
<ALLOWANCE-DOMESTIC>                            16,901                       2,552
<ALLOWANCE-FOREIGN>                                  0                           0
<ALLOWANCE-UNALLOCATED>                          1,654                       1,774