<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS AND MANAGEMENT'S DISCUSSION AND ANALYSIS IN
FORM 10-Q FOR THE QUARTER ENDED JUNE 30, 1997, FOR EMERALD FINANCIAL CORP. AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-START>                             APR-01-1997             JAN-01-1997
<PERIOD-END>                               JUN-30-1997             JUN-30-1997
<CASH>                                           3,191                   3,191
<INT-BEARING-DEPOSITS>                           5,616                   5,616
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     74,935                  74,935
<INVESTMENTS-CARRYING>                          51,567                  51,567
<INVESTMENTS-MARKET>                            52,052                  52,052
<LOANS>                                        453,559                 453,559
<ALLOWANCE>                                      1,577                   1,577
<TOTAL-ASSETS>                                 603,080                 603,080
<DEPOSITS>                                     522,119                 522,119
<SHORT-TERM>                                     3,041                   3,041
<LIABILITIES-OTHER>                              4,519                   4,519
<LONG-TERM>                                     27,687                  27,687
<COMMON>                                         9,831                   9,831
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                      35,883                  35,883
<TOTAL-LIABILITIES-AND-EQUITY>                 603,080                 603,080
<INTEREST-LOAN>                                  9,222                  17,986
<INTEREST-INVEST>                                1,885                   3,807
<INTEREST-OTHER>                                   208                     389
<INTEREST-TOTAL>                                11,315                  22,182
<INTEREST-DEPOSIT>                               6,687                  13,044
<INTEREST-EXPENSE>                               7,109                  13,836
<INTEREST-INCOME-NET>                            4,206                   8,346
<LOAN-LOSSES>                                       91                     169
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  2,284                   4,570
<INCOME-PRETAX>                                  2,337                   4,538
<INCOME-PRE-EXTRAORDINARY>                       2,337                   4,538
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,536                   2,972
<EPS-PRIMARY>                                      .30                     .59
<EPS-DILUTED>                                      .29                     .57
<YIELD-ACTUAL>                                    2.87                    2.91
<LOANS-NON>                                        496                     496
<LOANS-PAST>                                       640                     640
<LOANS-TROUBLED>                                   340                     340
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                       19                      24
<RECOVERIES>                                         5                       9
<ALLOWANCE-CLOSE>                                1,577                   1,577
<ALLOWANCE-DOMESTIC>                             1,577                   1,577
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0