<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                           9,729
<INT-BEARING-DEPOSITS>                           1,668
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     81,857
<INVESTMENTS-CARRYING>                          41,562
<INVESTMENTS-MARKET>                            39,954
<LOANS>                                        462,931
<ALLOWANCE>                                      4,454
<TOTAL-ASSETS>                                 607,370
<DEPOSITS>                                     411,422
<SHORT-TERM>                                   149,297
<LIABILITIES-OTHER>                              5,441
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      41,160
<TOTAL-LIABILITIES-AND-EQUITY>                 607,370
<INTEREST-LOAN>                                  9,727
<INTEREST-INVEST>                                1,776
<INTEREST-OTHER>                                   440
<INTEREST-TOTAL>                                11,943
<INTEREST-DEPOSIT>                               5,141
<INTEREST-EXPENSE>                               7,293
<INTEREST-INCOME-NET>                            4,650
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,161
<INCOME-PRETAX>                                  1,443
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       895
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    8.15
<LOANS-NON>                                      4,213
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,390
<CHARGE-OFFS>                                       13
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                4,454
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,454