<ARTICLE> 9
<MULTIPLIER> 1000
       
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> DEC-31-1996
                                          
<CASH>                                         $  27,282
<INT-BEARING-DEPOSITS>                               87
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                      136,113
<INVESTMENTS-CARRYING>                           100,328
<INVESTMENTS-MARKET>                             101,200
<LOANS>                                          547,703
<ALLOWANCE>                                          8,987
<TOTAL-ASSETS>                                   837,664
<DEPOSITS>                                       643,497
<SHORT-TERM>                                       78,499
<LIABILITIES-OTHER>                                11,217
<LONG-TERM>                                        15,126
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                           23,022
<OTHER-SE>                                         66,303
<TOTAL-LIABILITIES-AND-EQUITY>                   837,664
<INTEREST-LOAN>                                    50,553
<INTEREST-INVEST>                             14,243
<INTEREST-OTHER>                                        145
<INTEREST-TOTAL>                                   64,941
<INTEREST-DEPOSIT>                                 23,158
<INTEREST-EXPENSE>                                 26,933
<INTEREST-INCOME-NET>                              38,008
<LOAN-LOSSES>                                        2,273
<SECURITIES-GAINS>                                   (128)
<EXPENSE-OTHER>                                    24,358
<INCOME-PRETAX>                                    20,447
<INCOME-PRE-EXTRAORDINARY>                         20,447
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                       13,917
<EPS-PRIMARY>                                          3.09
<EPS-DILUTED>                                          3.09
<YIELD-ACTUAL>                                         5.39
<LOANS-NON>                                          5,476
<LOANS-PAST>                                            780
<LOANS-TROUBLED>                                        401
<LOANS-PROBLEM>                                      6,256
<ALLOWANCE-OPEN>                                     8,321
<CHARGE-OFFS>                                        2,181
<RECOVERIES>                                            574
<ALLOWANCE-CLOSE>                                    8,987
<ALLOWANCE-DOMESTIC>                                 1,235
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                              7,752