<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 60689 <INT-BEARING-DEPOSITS> 4886 <FED-FUNDS-SOLD> 13235 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 221740 <INVESTMENTS-CARRYING> 156307 <INVESTMENTS-MARKET> 158191 <LOANS> 1239302 <ALLOWANCE> 21696 <TOTAL-ASSETS> 1737981 <DEPOSITS> 1463965 <SHORT-TERM> 57382 <LIABILITIES-OTHER> 29405 <LONG-TERM> 40565 <PREFERRED-MANDATORY> 17268 <PREFERRED> 0 <COMMON> 4516 <OTHER-SE> 124880 <TOTAL-LIABILITIES-AND-EQUITY> 1737981 <INTEREST-LOAN> 29084 <INTEREST-INVEST> 5173 <INTEREST-OTHER> 453 <INTEREST-TOTAL> 34710 <INTEREST-DEPOSIT> 13249 <INTEREST-EXPENSE> 14853 <INTEREST-INCOME-NET> 19857 <LOAN-LOSSES> 1368 <SECURITIES-GAINS> 288 <EXPENSE-OTHER> 15189 <INCOME-PRETAX> 6976 <INCOME-PRE-EXTRAORDINARY> 6976 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4867 <EPS-PRIMARY> .51 <EPS-DILUTED> .49 <YIELD-ACTUAL> 8.70 <LOANS-NON> 7099 <LOANS-PAST> 4450 <LOANS-TROUBLED> 1750 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 21550 <CHARGE-OFFS> 1592 <RECOVERIES> 370 <ALLOWANCE-CLOSE> 21696 <ALLOWANCE-DOMESTIC> 21696 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0