<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1000

<S>                                                <C>
<PERIOD-TYPE>                                      6-mos
<FISCAL-YEAR-END>                                  Dec-31-1997
<PERIOD-END>                                       Jun-30-1997
<CASH>                                                       47841
<INT-BEARING-DEPOSITS>                                        1284
<FED-FUNDS-SOLD>                                             52550
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 172460
<INVESTMENTS-CARRYING>                                         685
<INVESTMENTS-MARKET>                                           696
<LOANS>                                                     863530
<ALLOWANCE>                                                  12745
<TOTAL-ASSETS>                                             1176012
<DEPOSITS>                                                  818457
<SHORT-TERM>                                                125000
<LIABILITIES-OTHER>                                          15495
<LONG-TERM>                                                  57300
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4988
<OTHER-SE>                                                   91268
<TOTAL-LIABILITIES-AND-EQUITY>                             1176012
<INTEREST-LOAN>                                              38295
<INTEREST-INVEST>                                             5582
<INTEREST-OTHER>                                              1267
<INTEREST-TOTAL>                                             45144
<INTEREST-DEPOSIT>                                           14176
<INTEREST-EXPENSE>                                           21340
<INTEREST-INCOME-NET>                                        23804
<LOAN-LOSSES>                                                 1695
<SECURITIES-GAINS>                                             147
<EXPENSE-OTHER>                                              17904
<INCOME-PRETAX>                                               8440
<INCOME-PRE-EXTRAORDINARY>                                    5685
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  5685
<EPS-PRIMARY>                                                 1.15
<EPS-DILUTED>                                                 1.08
<YIELD-ACTUAL>                                                4.52
<LOANS-NON>                                                  10109
<LOANS-PAST>                                                 10828
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             13734
<CHARGE-OFFS>                                                 3020
<RECOVERIES>                                                   336
<ALLOWANCE-CLOSE>                                            12745
<ALLOWANCE-DOMESTIC>                                         12745
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>