<ARTICLE>                                                                     9
<MULTIPLIER>                                                              1,000 
       
                                                                   
<PERIOD-TYPE>                                                         12-MOS
<FISCAL-YEAR-END>                                                     DEC-31-1996
<PERIOD-END>                                                          DEC-31-1996
<CASH>                                                                              71,677
<INT-BEARING-DEPOSITS>                                                                 888
<FED-FUNDS-SOLD>                                                                    54,306
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                         45,165
<INVESTMENTS-CARRYING>                                                             466,624
<INVESTMENTS-MARKET>                                                               466,806
<LOANS>                                                                            572,900
<ALLOWANCE>                                                                          9,441
<TOTAL-ASSETS>                                                                   1,262,041
<DEPOSITS>                                                                       1,121,881
<SHORT-TERM>                                                                           147
<LIABILITIES-OTHER>                                                                  8,852
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                            67,189
<OTHER-SE>                                                                          63,972
<TOTAL-LIABILITIES-AND-EQUITY>                                                   1,262,041
<INTEREST-LOAN>                                                                     52,284
<INTEREST-INVEST>                                                                   29,883
<INTEREST-OTHER>                                                                     2,009
<INTEREST-TOTAL>                                                                    84,176
<INTEREST-DEPOSIT>                                                                  33,689
<INTEREST-EXPENSE>                                                                  33,731
<INTEREST-INCOME-NET>                                                               50,445
<LOAN-LOSSES>                                                                        1,200
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                     37,570
<INCOME-PRETAX>                                                                     27,517
<INCOME-PRE-EXTRAORDINARY>                                                          18,122
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                        18,122
<EPS-PRIMARY>                                                                            2.70
<EPS-DILUTED>                                                                            2.70
<YIELD-ACTUAL>                                                                           4.66
<LOANS-NON>                                                                          2,715
<LOANS-PAST>                                                                            77
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                        634
<ALLOWANCE-OPEN>                                                                     9,194
<CHARGE-OFFS>                                                                        2,620
<RECOVERIES>                                                                           867
<ALLOWANCE-CLOSE>                                                                    9,441
<ALLOWANCE-DOMESTIC>                                                                 9,441
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0