<ARTICLE>                     9
<LEGEND>
This schedule contains summary financial information extracted from
SEC Form 10-Q and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
                              
<PERIOD-TYPE>                    YEAR
<FISCAL-YEAR-END>                DEC-31-1996
<PERIOD-END>                     JUN-30-1996
<EXCHANGE-RATE>                            1
<CASH>                                 56170
<INT-BEARING-DEPOSITS>                     0
<FED-FUNDS-SOLD>                           0
<TRADING-ASSETS>                           0
<INVESTMENTS-HELD-FOR-SALE>            28890
<INVESTMENTS-CARRYING>                284780
<INVESTMENTS-MARKET>                  280027
<LOANS>                               658302
<ALLOWANCE>                           (11961)
<TOTAL-ASSETS>                       1046836
<DEPOSITS>                            849671
<SHORT-TERM>                           41106
<LIABILITIES-OTHER>                    14779
<LONG-TERM>                            65334
<PREFERRED-MANDATORY>                      0
<PREFERRED>                                0
<COMMON>                                 145
<OTHER-SE>                             75801
<TOTAL-LIABILITIES-AND-EQUITY>       1046836
<INTEREST-LOAN>                        28435
<INTEREST-INVEST>                       9005
<INTEREST-OTHER>                         123
<INTEREST-TOTAL>                       37563
<INTEREST-DEPOSIT>                     13739
<INTEREST-EXPENSE>                      1921
<INTEREST-INCOME-NET>                  21903
<LOAN-LOSSES>                            750
<SECURITIES-GAINS>                         0
<EXPENSE-OTHER>                        19455
<INCOME-PRETAX>                         8331
<INCOME-PRE-EXTRAORDINARY>              8331
<EXTRAORDINARY>                            0
<CHANGES>                                  0
<NET-INCOME>                            5332 
<EPS-PRIMARY>                            .36 
<EPS-DILUTED>                            .36 
<YIELD-ACTUAL>                          8.07 
<LOANS-NON>                             5979 
<LOANS-PAST>                             382 
<LOANS-TROUBLED>                           0 
<LOANS-PROBLEM>                            0 
<ALLOWANCE-OPEN>                       12088 
<CHARGE-OFFS>                          (1184)
<RECOVERIES>                             307
<ALLOWANCE-CLOSE>                      11961 
<ALLOWANCE-DOMESTIC>                   11961 
<ALLOWANCE-FOREIGN>                        0
<ALLOWANCE-UNALLOCATED>                    0