<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 52,535 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 208,697 <INVESTMENTS-CARRYING> 369,856 <INVESTMENTS-MARKET> 378,496 <LOANS> 652,474 <ALLOWANCE> 8,128 <TOTAL-ASSETS> 1,343,865 <DEPOSITS> 1,027,214 <SHORT-TERM> 96,800 <LIABILITIES-OTHER> 10,499 <LONG-TERM> 100,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 4,500 <COMMON> 4,672 <OTHER-SE> 100,180 <TOTAL-LIABILITIES-AND-EQUITY> 1,343,865 <INTEREST-LOAN> 56,932 <INTEREST-INVEST> 40,420 <INTEREST-OTHER> 336 <INTEREST-TOTAL> 97,688 <INTEREST-DEPOSIT> 36,383 <INTEREST-EXPENSE> 6,039 <INTEREST-INCOME-NET> 55,266 <LOAN-LOSSES> 2,897 <SECURITIES-GAINS> 32 <EXPENSE-OTHER> 37,450 <INCOME-PRETAX> 23,793 <INCOME-PRE-EXTRAORDINARY> 23,793 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 14,133 <EPS-PRIMARY> 3.67 <EPS-DILUTED> 3.65 <YIELD-ACTUAL> 4.86 <LOANS-NON> 2,023 <LOANS-PAST> 823 <LOANS-TROUBLED> 32 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,976 <CHARGE-OFFS> 2,458 <RECOVERIES> 713 <ALLOWANCE-CLOSE> 8,128 <ALLOWANCE-DOMESTIC> 8,128 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 917