<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<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>                                          42,637                  42,637
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                62,300                  62,300
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    298,646                 298,646
<INVESTMENTS-CARRYING>                          59,594                  59,594
<INVESTMENTS-MARKET>                            60,472                  60,472 
<LOANS>                                        414,951                 414,951
<ALLOWANCE>                                      5,657                   5,657 
<TOTAL-ASSETS>                                 963,293                 963,293 
<DEPOSITS>                                     765,053                 765,053 
<SHORT-TERM>                                   123,701                 123,701
<LIABILITIES-OTHER>                              6,322                   6,322
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         5,640                   5,640
<OTHER-SE>                                      61,864                  61,864
<TOTAL-LIABILITIES-AND-EQUITY>                 963,293                 963,293
<INTEREST-LOAN>                                  9,706                  18,640
<INTEREST-INVEST>                                6,013                  11,646
<INTEREST-OTHER>                                   156                     317
<INTEREST-TOTAL>                                15,875                  30,603
<INTEREST-DEPOSIT>                               7,018                  13,588
<INTEREST-EXPENSE>                               8,015                  15,387
<INTEREST-INCOME-NET>                            7,860                  15,216
<LOAN-LOSSES>                                        8                      12
<SECURITIES-GAINS>                                 (1)                      40
<EXPENSE-OTHER>                                  8,600                  16,953
<INCOME-PRETAX>                                  2,935                   5,571
<INCOME-PRE-EXTRAORDINARY>                       2,935                   5,571
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,006                   3,822
<EPS-PRIMARY>                                      .38                     .73
<EPS-DILUTED>                                      .38                     .72
<YIELD-ACTUAL>                                    7.73                    7.56
<LOANS-NON>                                      1,236                   1,236
<LOANS-PAST>                                     2,788                   2,788
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 5,659                   5,659
<CHARGE-OFFS>                                       33                      33
<RECOVERIES>                                        19                      19
<ALLOWANCE-CLOSE>                                5,657                   5,657
<ALLOWANCE-DOMESTIC>                             5,657                   5,657
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>