<ARTICLE> 9
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<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               MAR-31-1997             MAR-31-1996
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<SECURITIES-GAINS>                                  13                     136
<EXPENSE-OTHER>                                  2,357                   2,402
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<EPS-PRIMARY>                                     1.51                    1.29
<EPS-DILUTED>                                     1.51                    1.29
<YIELD-ACTUAL>                                    4.37                    4.47
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