<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 70,885 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,525 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 585,693 <INVESTMENTS-CARRYING> 585,693 <INVESTMENTS-MARKET> 585,693 <LOANS> 911,936 <ALLOWANCE> 10,587 <TOTAL-ASSETS> 1,619,575 <DEPOSITS> 1,182,094 <SHORT-TERM> 189,491 <LIABILITIES-OTHER> 10,065 <LONG-TERM> 92,761 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 835 <OTHER-SE> 144,329 <TOTAL-LIABILITIES-AND-EQUITY> 1,619,575 <INTEREST-LOAN> 58,390 <INTEREST-INVEST> 27,096 <INTEREST-OTHER> 403 <INTEREST-TOTAL> 85,889 <INTEREST-DEPOSIT> 34,410 <INTEREST-EXPENSE> 42,659 <INTEREST-INCOME-NET> 43,230 <LOAN-LOSSES> 2,910 <SECURITIES-GAINS> 214 <EXPENSE-OTHER> 29,449 <INCOME-PRETAX> 16,753 <INCOME-PRE-EXTRAORDINARY> 16,753 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,666 <EPS-PRIMARY> 1.75 <EPS-DILUTED> 1.75 <YIELD-ACTUAL> 4.31 <LOANS-NON> 4,423 <LOANS-PAST> 6,168 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,500 <ALLOWANCE-OPEN> 10,616 <CHARGE-OFFS> 3629 <RECOVERIES> 690 <ALLOWANCE-CLOSE> 10,587 <ALLOWANCE-DOMESTIC> 10,587 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0