WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> [BLANK] <INT-BEARING-DEPOSITS> [BLANK] <FED-FUNDS-SOLD> [BLANK] <TRADING-ASSETS> [BLANK] <INVESTMENTS-HELD-FOR-SALE> [BLANK] <INVESTMENTS-CARRYING> [BLANK] <INVESTMENTS-MARKET> [BLANK] <LOANS> [BLANK] <ALLOWANCE> [BLANK] <TOTAL-ASSETS> [BLANK] <DEPOSITS> [BLANK] <SHORT-TERM> [BLANK] <LIABILITIES-OTHER> [BLANK] <LONG-TERM> [BLANK] <PREFERRED-MANDATORY> [BLANK] <PREFERRED> [BLANK] <COMMON> [BLANK] <OTHER-SE> [BLANK] <TOTAL-LIABILITIES-AND-EQUITY> [BLANK] <INTEREST-LOAN> [BLANK] <INTEREST-INVEST> [BLANK] <INTEREST-OTHER> [BLANK] <INTEREST-TOTAL> [BLANK] <INTEREST-DEPOSIT> [BLANK] <INTEREST-EXPENSE> [BLANK] <INTEREST-INCOME-NET> [BLANK] <LOAN-LOSSES> [BLANK] <SECURITIES-GAINS> [BLANK] <EXPENSE-OTHER> [BLANK] <INCOME-PRETAX> [BLANK] <INCOME-PRE-EXTRAORDINARY> [BLANK] <EXTRAORDINARY> [BLANK] <CHANGES> [BLANK] <NET-INCOME> [BLANK] <EPS-PRIMARY> [BLANK] <EPS-DILUTED> [BLANK] <YIELD-ACTUAL> [BLANK] <LOANS-NON> [BLANK] <LOANS-PAST> [BLANK] <LOANS-TROUBLED> [BLANK] <LOANS-PROBLEM> [BLANK] <ALLOWANCE-OPEN> [BLANK] <CHARGE-OFFS> [BLANK] <RECOVERIES> [BLANK] <ALLOWANCE-CLOSE> [BLANK] <ALLOWANCE-DOMESTIC> [BLANK] <ALLOWANCE-FOREIGN> [BLANK] <ALLOWANCE-UNALLOCATED> [BLANK]