<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1997 CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATMENT OF INCOME FOR THE
SIX MONTHS ENDED JUNE 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1997
<CASH>                                         383,213
<INT-BEARING-DEPOSITS>                       1,859,818
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,381,862
<INVESTMENTS-CARRYING>                      12,521,387
<INVESTMENTS-MARKET>                        12,515,786
<LOANS>                                     12,885,609
<ALLOWANCE>                                    317,641
<TOTAL-ASSETS>                              32,982,926
<DEPOSITS>                                  28,426,309
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            274,559
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,645
<OTHER-SE>                                   (193,361)
<TOTAL-LIABILITIES-AND-EQUITY>              32,982,926
<INTEREST-LOAN>                                557,911
<INTEREST-INVEST>                              528,012
<INTEREST-OTHER>                                48,001
<INTEREST-TOTAL>                             1,133,924
<INTEREST-DEPOSIT>                             579,983
<INTEREST-EXPENSE>                              19,733
<INTEREST-INCOME-NET>                          534,208
<LOAN-LOSSES>                                    1,424
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                416,588
<INCOME-PRETAX>                                246,705
<INCOME-PRE-EXTRAORDINARY>                     246,705
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   162,818
<EPS-PRIMARY>                                      .67
<EPS-DILUTED>                                      .67
<YIELD-ACTUAL>                                    7.44
<LOANS-NON>                                    184,406
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                297,345
<ALLOWANCE-OPEN>                               300,371
<CHARGE-OFFS>                                    4,432
<RECOVERIES>                                    12,662
<ALLOWANCE-CLOSE>                              292,141
<ALLOWANCE-DOMESTIC>                            37,504
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        254,637