<ARTICLE> 9
       
                                              
<PERIOD-TYPE>                                     3-MOS
<FISCAL-YEAR-END>                                 DEC-31-1996
<PERIOD-START>                                    JAN-1-1996
<PERIOD-END>                                      MAR-31-1996
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<INTEREST-EXPENSE>                                        30,558
<INTEREST-INCOME-NET>                                     36,256
<LOAN-LOSSES>                                              1,444
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<CHARGE-OFFS>                                              1,325
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