<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC
Form 10-Q and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                           38142
<INT-BEARING-DEPOSITS>                             104
<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-CARRYING>                           26149
<INVESTMENTS-MARKET>                             26794
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<TOTAL-ASSETS>                                 1512086
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<SHORT-TERM>                                    169136
<LIABILITIES-OTHER>                              37570
<LONG-TERM>                                     111848
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<TOTAL-LIABILITIES-AND-EQUITY>                 1512086
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<INTEREST-EXPENSE>                                3612
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<LOAN-LOSSES>                                     1200
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<EXPENSE-OTHER>                                   9376
<INCOME-PRETAX>                                   8771
<INCOME-PRE-EXTRAORDINARY>                        8771
<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                      .56
<EPS-DILUTED>                                      .56
<YIELD-ACTUAL>                                    4.71
<LOANS-NON>                                       5832
<LOANS-PAST>                                         0
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<ALLOWANCE-OPEN>                                 17043 
<CHARGE-OFFS>                                      489
<RECOVERIES>                                       194
<ALLOWANCE-CLOSE>                                17948 
<ALLOWANCE-DOMESTIC>                             17948
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0