<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          42,584
<INT-BEARING-DEPOSITS>                           9,285
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    131,354
<INVESTMENTS-CARRYING>                         244,397
<INVESTMENTS-MARKET>                           243,870
<LOANS>                                      1,028,509
<ALLOWANCE>                                     19,467
<TOTAL-ASSETS>                               1,362,745
<DEPOSITS>                                   1,100,477
<SHORT-TERM>                                     2,499
<LIABILITIES-OTHER>                             15,218
<LONG-TERM>                                    108,018
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       138,244
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>               1,362,745
<INTEREST-LOAN>                                 65,844
<INTEREST-INVEST>                               12,079
<INTEREST-OTHER>                                   135
<INTEREST-TOTAL>                                78,058
<INTEREST-DEPOSIT>                              26,484
<INTEREST-EXPENSE>                              31,087
<INTEREST-INCOME-NET>                           46,971
<LOAN-LOSSES>                                    1,350
<SECURITIES-GAINS>                                 (6)
<EXPENSE-OTHER>                                 35,609
<INCOME-PRETAX>                                 18,034
<INCOME-PRE-EXTRAORDINARY>                      10,888
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,888
<EPS-PRIMARY>                                     2.07
<EPS-DILUTED>                                     2.07
<YIELD-ACTUAL>                                    8.15
<LOANS-NON>                                     11,289
<LOANS-PAST>                                    16,630
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                20,156
<CHARGE-OFFS>                                    2,332
<RECOVERIES>                                       293
<ALLOWANCE-CLOSE>                               19,467
<ALLOWANCE-DOMESTIC>                            19,467
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,667