WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>


     EXHIBIT 27 - FINANCIAL DATA SCHEDULE
     <ARTICLE>                                             9
     <PERIOD-TYPE>                                     6-MOS
     <FISCAL-YEAR-END>                           DEC-31-1996
     <PERIOD-END>                                JUN-30-1997
     <CASH>                                           32,030
     <INT-BEARING-DEPOSITS>                              133
     <FED-FUNDS-SOLD>                                  5,800
     <TRADING-ASSETS>                                      0
     <INVESTMENTS-HELD-FOR-SALE>                     222,397
     <INVESTMENTS-CARRYING>                           39,982
     <INVESTMENTS-MARKET>                             40,907
     <LOANS>                                         659,111
     <ALLOWANCE>                                      12,811
     <TOTAL-ASSETS>                                  982,234
     <DEPOSITS>                                      848,606
     <SHORT-TERM>                                      6,808
     <LIABILITIES-OTHER>                              14,802
     <LONG-TERM>                                      25,844
     <COMMON>                                         32,113
     <PREFERRED-MANDATORY>                                 0
     <PREFERRED>                                           0
     <OTHER-SE>                                       54,063
     <TOTAL-LIABILITIES-AND-EQUITY>                  982,234
     <INTEREST-LOAN>                                  29,082
     <INTEREST-INVEST>                                 7,436
     <INTEREST-OTHER>                                    843
     <INTEREST-TOTAL>                                 37,361
     <INTEREST-DEPOSIT>                               15,573
     <INTEREST-EXPENSE>                               16,498
     <INTEREST-INCOME-NET>                            20,863
     <LOAN-LOSSES>                                       810
     <SECURITIES-GAINS>                                    9
     <EXPENSE-OTHER>                                  15,417
     <INCOME-PRETAX>                                   7,999
     <INCOME-PRE-EXTRAORDINARY>                        7,999
     <EXTRAORDINARY>                                       0
     <CHANGES>                                             0
     <NET-INCOME>                                      5,354
     <EPS-PRIMARY>                                       .58
     <EPS-DILUTED>                                       .58
     <YIELD-ACTUAL>                                     4.70
     <LOANS-NON>                                       4,323
     <LOANS-PAST>                                      1,214
     <LOANS-TROUBLED>                                    130
     <LOANS-PROBLEM>                                       0
     <ALLOWANCE-OPEN>                                 12,393
     <CHARGE-OFFS>                                     1,002
     <RECOVERIES>                                        610
     <ALLOWANCE-CLOSE>                                12,811
     <ALLOWANCE-DOMESTIC>                                  0
     <ALLOWANCE-FOREIGN>                                   0
     <ALLOWANCE-UNALLOCATED>                          12,811
     
</TABLE>