<TABLE> <S> <C>

                                              
<ARTICLE>                      9
                                                                       
<S>                                                                  <C>
<PERIOD-TYPE>                                                         6-mos
<FISCAL-YEAR-END>                                                    DEC-31-1997
<PERIOD-END>                                                          JUN-30-1997
<CASH>                                                                               20742
<INT-BEARING-DEPOSITS>                                                              128650
<FED-FUNDS-SOLD>                                                                     21000
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                          72780
<INVESTMENTS-CARRYING>                                                                   0
<INVESTMENTS-MARKET>                                                                     0
<LOANS>                                                                             717274
<ALLOWANCE>                                                                           7604
<TOTAL-ASSETS>                                                                     1046851
<DEPOSITS>                                                                          876877
<SHORT-TERM>                                                                             0
<LIABILITIES-OTHER>                                                                   7041
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                                98
<OTHER-SE>                                                                           88855
<TOTAL-LIABILITIES-AND-EQUITY>                                                     1046851
<INTEREST-LOAN>                                                                      29186
<INTEREST-INVEST>                                                                      931
<INTEREST-OTHER>                                                                      5055
<INTEREST-TOTAL>                                                                     35172
<INTEREST-DEPOSIT>                                                                   18191
<INTEREST-EXPENSE>                                                                   18300
<INTEREST-INCOME-NET>                                                                16872
<LOAN-LOSSES>                                                                         2939
<SECURITIES-GAINS>                                                                     109
<EXPENSE-OTHER>                                                                      10878
<INCOME-PRETAX>                                                                      10195
<INCOME-PRE-EXTRAORDINARY>                                                           10195
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                          6563
<EPS-PRIMARY>                                                                            0.81
<EPS-DILUTED>                                                                            0.81
<YIELD-ACTUAL>                                                                           4.37
<LOANS-NON>                                                                           5597
<LOANS-PAST>                                                                             0
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                          0
<ALLOWANCE-OPEN>                                                                      5725
<CHARGE-OFFS>                                                                         1142
<RECOVERIES>                                                                            82
<ALLOWANCE-CLOSE>                                                                     7604
<ALLOWANCE-DOMESTIC>                                                                  2393
<ALLOWANCE-FOREIGN>                                                                   5211
<ALLOWANCE-UNALLOCATED>                                                                  0
                                                         

</TABLE>