<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 26251 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 180195 <INVESTMENTS-CARRYING> 30094 <INVESTMENTS-MARKET> 30343 <LOANS> 474022 <ALLOWANCE> 5368 <TOTAL-ASSETS> 744407 <DEPOSITS> 649741 <SHORT-TERM> 12232 <LIABILITIES-OTHER> 5916 <LONG-TERM> 0 <PREFERRED-MANDATORY> 13300 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 63218 <TOTAL-LIABILITIES-AND-EQUITY> 744407 <INTEREST-LOAN> 31875 <INTEREST-INVEST> 10309 <INTEREST-OTHER> 591 <INTEREST-TOTAL> 42775 <INTEREST-DEPOSIT> 19036 <INTEREST-EXPENSE> 470 <INTEREST-INCOME-NET> 23269 <LOAN-LOSSES> 375 <SECURITIES-GAINS> (201) <EXPENSE-OTHER> 16116 <INCOME-PRETAX> 10599 <INCOME-PRE-EXTRAORDINARY> 10599 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7853 <EPS-PRIMARY> 1.18 <EPS-DILUTED> 1.18 <YIELD-ACTUAL> 8.49 <LOANS-NON> 1008 <LOANS-PAST> 2924 <LOANS-TROUBLED> 967 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5430 <CHARGE-OFFS> 688 <RECOVERIES> 250 <ALLOWANCE-CLOSE> 5367 <ALLOWANCE-DOMESTIC> 5367 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0