<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 36,449 <INT-BEARING-DEPOSITS> 290 <FED-FUNDS-SOLD> 4,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 297,671 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 744,474 <ALLOWANCE> 8,010 <TOTAL-ASSETS> 1,112,672 <DEPOSITS> 918,876 <SHORT-TERM> 0 <LIABILITIES-OTHER> 63,546 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,467 <OTHER-SE> 128,783 <TOTAL-LIABILITIES-AND-EQUITY> 1,112,672 <INTEREST-LOAN> 61,511 <INTEREST-INVEST> 17,900 <INTEREST-OTHER> 842 <INTEREST-TOTAL> 80,253 <INTEREST-DEPOSIT> 33,882 <INTEREST-EXPENSE> 37,134 <INTEREST-INCOME-NET> 43,119 <LOAN-LOSSES> 1,790 <SECURITIES-GAINS> 128 <EXPENSE-OTHER> 27,596 <INCOME-PRETAX> 23,050 <INCOME-PRE-EXTRAORDINARY> 15,044 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,044 <EPS-BASIC> 1.29 <EPS-DILUTED> 1.27 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7912 <CHARGE-OFFS> 2042 <RECOVERIES> 350 <ALLOWANCE-CLOSE> 8010 <ALLOWANCE-DOMESTIC> 8010 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0