<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 44,111 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 6,893 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 516,395 <INVESTMENTS-CARRYING> 516,395 <INVESTMENTS-MARKET> 516,395 <LOANS> 804,794 <ALLOWANCE> 9,958 <TOTAL-ASSETS> 1,416,066 <DEPOSITS> 1,090,880 <SHORT-TERM> 122,033 <LIABILITIES-OTHER> 13,826 <LONG-TERM> 57,671 <COMMON> 727 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 130,929 <TOTAL-LIABILITIES-AND-EQUITY> 1,416,066 <INTEREST-LOAN> 18,126 <INTEREST-INVEST> 8,276 <INTEREST-OTHER> 69 <INTEREST-TOTAL> 26,471 <INTEREST-DEPOSIT> 10,435 <INTEREST-EXPENSE> 12,946 <INTEREST-INCOME-NET> 13,525 <LOAN-LOSSES> 630 <SECURITIES-GAINS> 6 <EXPENSE-OTHER> 8,938 <INCOME-PRETAX> 5,800 <INCOME-PRE-EXTRAORDINARY> 5,800 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,002 <EPS-PRIMARY> .70 <EPS-DILUTED> .70 <YIELD-ACTUAL> 4.37 <LOANS-NON> 2,558 <LOANS-PAST> 6,860 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,100 <ALLOWANCE-OPEN> 10,087 <CHARGE-OFFS> 971 <RECOVERIES> 212 <ALLOWANCE-CLOSE> 9,958 <ALLOWANCE-DOMESTIC> 9,958 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0