<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> JUN-30-1997 <CASH> 18,976 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,486 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 234,982 <INVESTMENTS-CARRYING> 43,056 <INVESTMENTS-MARKET> 44,226 <LOANS> 769,356 <ALLOWANCE> (6,937) <TOTAL-ASSETS> 1,098,666 <DEPOSITS> 755,472 <SHORT-TERM> 0 <LIABILITIES-OTHER> 7,465 <LONG-TERM> 255,404 <COMMON> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 80,454 <TOTAL-LIABILITIES-AND-EQUITY> 1,098,666 <INTEREST-LOAN> 31,720 <INTEREST-INVEST> 9,869 <INTEREST-OTHER> 367 <INTEREST-TOTAL> 41,956 <INTEREST-DEPOSIT> 16,184 <INTEREST-EXPENSE> 23,573 <INTEREST-INCOME-NET> 18,383 <LOAN-LOSSES> 615 <SECURITIES-GAINS> 100 <EXPENSE-OTHER> 13,200 <INCOME-PRETAX> 8,002 <INCOME-PRE-EXTRAORDINARY> 5,310 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,310 <EPS-PRIMARY> 1.33 <EPS-DILUTED> 1.33 <YIELD-ACTUAL> 8.22 <LOANS-NON> 1,410 <LOANS-PAST> 1,759 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,599 <CHARGE-OFFS> (582) <RECOVERIES> 305 <ALLOWANCE-CLOSE> 6,937 <ALLOWANCE-DOMESTIC> 6,937 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0