<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH 31,
1996, CONSOLIDATED BALANCE SHEET, AND THE MARCH 31, 1996 CONSOLIDATED STATEMENT
OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS
</LEGEND>
<MULTIPLIER> 1000
       
                                         
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          82,281
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                30,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    295,064
<INVESTMENTS-CARRYING>                          25,817
<INVESTMENTS-MARKET>                            26,207
<LOANS>                                        556,879
<ALLOWANCE>                                     11,472
<TOTAL-ASSETS>                               1,038,377
<DEPOSITS>                                     897,314
<SHORT-TERM>                                    47,069
<LIABILITIES-OTHER>                             14,689
<LONG-TERM>                                        469
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        43,657
<OTHER-SE>                                      35,179
<TOTAL-LIABILITIES-AND-EQUITY>               1,038,377
<INTEREST-LOAN>                                 12,397
<INTEREST-INVEST>                                3,962
<INTEREST-OTHER>                                   143
<INTEREST-TOTAL>                                16,502
<INTEREST-DEPOSIT>                               4,214
<INTEREST-EXPENSE>                               4,854
<INTEREST-INCOME-NET>                           11,648
<LOAN-LOSSES>                                    1,213
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,267
<INCOME-PRETAX>                                  4,760
<INCOME-PRE-EXTRAORDINARY>                       4,760
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,758
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    6.03
<LOANS-NON>                                     12,907
<LOANS-PAST>                                         8
<LOANS-TROUBLED>                                11,341
<LOANS-PROBLEM>                                  1,076
<ALLOWANCE-OPEN>                                 9,626
<CHARGE-OFFS>                                      475
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                               11,472
<ALLOWANCE-DOMESTIC>                             8,042
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,430