<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S QUARTERLY REPORT ON FORM 10-Q FOR THE THREE MONTHS ENDED SEPTEMBER 30,
1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           6,071
<INT-BEARING-DEPOSITS>                             498
<FED-FUNDS-SOLD>                                 1,175
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    309,531
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        961,051
<ALLOWANCE>                                      7,393
<TOTAL-ASSETS>                               1,339,378
<DEPOSITS>                                     937,212
<SHORT-TERM>                                   112,255
<LIABILITIES-OTHER>                             15,437
<LONG-TERM>                                    188,000
<PREFERRED-MANDATORY>                           27,307
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      59,168
<TOTAL-LIABILITIES-AND-EQUITY>               1,339,378
<INTEREST-LOAN>                                 58,186
<INTEREST-INVEST>                               15,360
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                73,546
<INTEREST-DEPOSIT>                              32,925
<INTEREST-EXPENSE>                              43,809
<INTEREST-INCOME-NET>                           29,737
<LOAN-LOSSES>                                    1,046
<SECURITIES-GAINS>                                 574
<EXPENSE-OTHER>                                 26,528
<INCOME-PRETAX>                                  7,635
<INCOME-PRE-EXTRAORDINARY>                       7,635
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,409
<EPS-PRIMARY>                                     0.92
<EPS-DILUTED>                                     0.92
<YIELD-ACTUAL>                                    3.19
<LOANS-NON>                                      6,296
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 4,312
<LOANS-PROBLEM>                                  3,986
<ALLOWANCE-OPEN>                                 7,465
<CHARGE-OFFS>                                    1,827
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                7,393
<ALLOWANCE-DOMESTIC>                               892
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,501