<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND IN
THE COMPANY'S FORM 10K FOR THE YEARS 1996 AND 1995 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> YEAR YEAR
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1995
<PERIOD-START> JAN-01-1996 JAN-01-1995
<PERIOD-END> DEC-31-1996 DEC-31-1995
<CASH> 20,261 24,312
<INT-BEARING-DEPOSITS> 315 417
<FED-FUNDS-SOLD> 25,212 9,969
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 33,852 37,436
<INVESTMENTS-CARRYING> 18,781 6,528
<INVESTMENTS-MARKET> 19,097 6,528
<LOANS> 376,901<F1> 368,224<F3>
<ALLOWANCE> 7,040 5,037
<TOTAL-ASSETS> 499,466 557,910
<DEPOSITS> 436,450 458,393
<SHORT-TERM> 10,307 47,871
<LIABILITIES-OTHER> 10,977 8,061
<LONG-TERM> 12,000 12,000
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 5,750 5,750
<COMMON> 19,281 18,728
<OTHER-SE> 4,701<F2> 140
<TOTAL-LIABILITIES-AND-EQUITY> 499,466 557,910
<INTEREST-LOAN> 41,469 42,469
<INTEREST-INVEST> 3,120 3,187
<INTEREST-OTHER> 1,195 1,718
<INTEREST-TOTAL> 45,784 47,374
<INTEREST-DEPOSIT> 19,927 22,730
<INTEREST-EXPENSE> 22,643 27,671
<INTEREST-INCOME-NET> 23,141 19,703
<LOAN-LOSSES> 6,262 1,590
<SECURITIES-GAINS> (3) 386
<EXPENSE-OTHER> 38,946 29,016
<INCOME-PRETAX> (2,497) 5,672
<INCOME-PRE-EXTRAORDINARY> (2,497) 3,313
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> (1,486) 3,313
<EPS-PRIMARY> (.71) 1.11
<EPS-DILUTED> (.71) 1.04
<YIELD-ACTUAL> 9.18 3.63
<LOANS-NON> 8,246 4,201
<LOANS-PAST> 1,536 92
<LOANS-TROUBLED> 599 651
<LOANS-PROBLEM> 4,600 2,700
<ALLOWANCE-OPEN> 5,037 5,787
<CHARGE-OFFS> 4,564 2,450
<RECOVERIES> 305 110
<ALLOWANCE-CLOSE> 7,040 5,037
<ALLOWANCE-DOMESTIC> 6,391 4,996
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 649 41
<FN>
<F1>INCLUDES MORTGAGE LOANS HELD FOR SALE OF 29,487
<F2>INCLUDES UNREALIZED LOSS ON SECURITIES AFS OF 331
<F3>EXCLUDES MORTGAGE LOANS HELD FOR SALE
</FN>