<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE SEPTEMBER
30, 1996, CONSOLIDATED BALANCE SHEET, AND THE SEPTEMBER 30, 1996, CONSOLIDATED
STATEMENT OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          81,226
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    319,927
<INVESTMENTS-CARRYING>                          46,373
<INVESTMENTS-MARKET>                            46,639
<LOANS>                                        572,217
<ALLOWANCE>                                     11,442
<TOTAL-ASSETS>                               1,068,042
<DEPOSITS>                                     906,946
<SHORT-TERM>                                    48,000
<LIABILITIES-OTHER>                             14,458
<LONG-TERM>                                        458
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        44,062
<OTHER-SE>                                      40,341
<TOTAL-LIABILITIES-AND-EQUITY>               1,068,042
<INTEREST-LOAN>                                 40,294
<INTEREST-INVEST>                               14,354
<INTEREST-OTHER>                                   438
<INTEREST-TOTAL>                                55,086
<INTEREST-DEPOSIT>                              13,748
<INTEREST-EXPENSE>                              15,758
<INTEREST-INCOME-NET>                           39,328
<LOAN-LOSSES>                                    2,158
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                 31,420
<INCOME-PRETAX>                                 16,681
<INCOME-PRE-EXTRAORDINARY>                       9,711
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,711
<EPS-PRIMARY>                                     1.05
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    6.15
<LOANS-NON>                                     16,452
<LOANS-PAST>                                       379
<LOANS-TROUBLED>                                 6,627
<LOANS-PROBLEM>                                 12,355
<ALLOWANCE-OPEN>                                 9,626
<CHARGE-OFFS>                                    1,545
<RECOVERIES>                                       491
<ALLOWANCE-CLOSE>                               11,442
<ALLOWANCE-DOMESTIC>                             8,284
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,158