<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                        16012288
<INT-BEARING-DEPOSITS>                          151444
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   95025652
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      532954625
<ALLOWANCE>                                    6640035
<TOTAL-ASSETS>                               717719927
<DEPOSITS>                                   546879815
<SHORT-TERM>                                  65231208
<LIABILITIES-OTHER>                            5321592
<LONG-TERM>                                   29539370
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                      27582993
<OTHER-SE>                                    42921499
<TOTAL-LIABILITIES-AND-EQUITY>               717719927
<INTEREST-LOAN>                               11691030
<INTEREST-INVEST>                              1205025
<INTEREST-OTHER>                                460958
<INTEREST-TOTAL>                              13357016
<INTEREST-DEPOSIT>                             5850772
<INTEREST-EXPENSE>                             1460139
<INTEREST-INCOME-NET>                          6046105
<LOAN-LOSSES>                                    50000
<SECURITIES-GAINS>                             (20313)
<EXPENSE-OTHER>                                4862902
<INCOME-PRETAX>                                2182737
<INCOME-PRE-EXTRAORDINARY>                     2182737
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   1636637
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    8.19
<LOANS-NON>                                    4669531
<LOANS-PAST>                                   1001187
<LOANS-TROUBLED>                                189001
<LOANS-PROBLEM>                                1451854
<ALLOWANCE-OPEN>                               6655071
<CHARGE-OFFS>                                    80145
<RECOVERIES>                                     15109
<ALLOWANCE-CLOSE>                              6640035
<ALLOWANCE-DOMESTIC>                           6590035
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          50000