<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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          49,661
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,857
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    116,402
<INVESTMENTS-CARRYING>                         288,738
<INVESTMENTS-MARKET>                           286,762
<LOANS>                                        760,230
<ALLOWANCE>                                   (12,506)
<TOTAL-ASSETS>                               1,260,751
<DEPOSITS>                                     958,011
<SHORT-TERM>                                   174,218
<LIABILITIES-OTHER>                             13,729
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           28,750
<PREFERRED>                                          0
<COMMON>                                           146
<OTHER-SE>                                      85,559
<TOTAL-LIABILITIES-AND-EQUITY>               1,260,751
<INTEREST-LOAN>                                 31,576
<INTEREST-INVEST>                               11,201
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                42,777
<INTEREST-DEPOSIT>                              15,311
<INTEREST-EXPENSE>                              18,224
<INTEREST-INCOME-NET>                           24,553
<LOAN-LOSSES>                                    1,030
<SECURITIES-GAINS>                                 (8)
<EXPENSE-OTHER>                                 19,687
<INCOME-PRETAX>                                  9,988
<INCOME-PRE-EXTRAORDINARY>                       9,988
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,582
<EPS-PRIMARY>                                      .44
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                    8.08
<LOANS-NON>                                      4,240
<LOANS-PAST>                                       626
<LOANS-TROUBLED>                                 1,379
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,221
<CHARGE-OFFS>                                    1,257
<RECOVERIES>                                       512
<ALLOWANCE-CLOSE>                               12,506
<ALLOWANCE-DOMESTIC>                            12,506
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0