<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          48,121
<INT-BEARING-DEPOSITS>                           5,304
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    494,315
<INVESTMENTS-CARRYING>                         519,637
<INVESTMENTS-MARKET>                           516,637
<LOANS>                                        903,579
<ALLOWANCE>                                     13,871
<TOTAL-ASSETS>                               2,070,843
<DEPOSITS>                                   1,152,674
<SHORT-TERM>                                   222,366
<LIABILITIES-OTHER>                            542,281
<LONG-TERM>                                      4,482
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,351
<OTHER-SE>                                     134,689
<TOTAL-LIABILITIES-AND-EQUITY>               2,070,843
<INTEREST-LOAN>                                 54,784
<INTEREST-INVEST>                               46,062
<INTEREST-OTHER>                                   496
<INTEREST-TOTAL>                               101,342
<INTEREST-DEPOSIT>                              31,721
<INTEREST-EXPENSE>                              24,468
<INTEREST-INCOME-NET>                           45,153
<LOAN-LOSSES>                                       68
<SECURITIES-GAINS>                                 569
<EXPENSE-OTHER>                                 39,366
<INCOME-PRETAX>                                 19,743
<INCOME-PRE-EXTRAORDINARY>                      19,743
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    14,524
<EPS-PRIMARY>                                     2.77
<EPS-DILUTED>                                     2.76
<YIELD-ACTUAL>                                    7.71
<LOANS-NON>                                      5,635
<LOANS-PAST>                                     1,709
<LOANS-TROUBLED>                                 1,351
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                14,914
<CHARGE-OFFS>                                    1,635
<RECOVERIES>                                       524
<ALLOWANCE-CLOSE>                               13,871
<ALLOWANCE-DOMESTIC>                            13,871
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,564