<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
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<PERIOD-END>                               MAR-31-1996
<CASH>                                          49,034
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<TRADING-ASSETS>                                     0
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<SHORT-TERM>                                    25,500
<LIABILITIES-OTHER>                             14,787
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<INTEREST-EXPENSE>                              10,589
<INTEREST-INCOME-NET>                           15,786
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                   0
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<ALLOWANCE-CLOSE>                               20,500
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