<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S ANNUAL REPORT ON FORM 10-K FOR THE TWELVE MONTHS ENDED DECEMBER 31,
1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                  1,000
       
                             
<PERIOD-TYPE>                  12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          14,280
<INT-BEARING-DEPOSITS>                           1,152
<FED-FUNDS-SOLD>                                 1,545
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    304,066
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        959,409
<ALLOWANCE>                                      7,277
<TOTAL-ASSETS>                               1,337,379
<DEPOSITS>                                     957,834
<SHORT-TERM>                                    85,050
<LIABILITIES-OTHER>                              6,618
<LONG-TERM>                                    198,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        27,538
<OTHER-SE>                                      62,339
<TOTAL-LIABILITIES-AND-EQUITY>               1,337,379
<INTEREST-LOAN>                                 77,946
<INTEREST-INVEST>                               20,817
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                96,763
<INTEREST-DEPOSIT>                              43,722
<INTEREST-EXPENSE>                              58,944
<INTEREST-INCOME-NET>                           39,818
<LOAN-LOSSES>                                    1,261
<SECURITIES-GAINS>                                 716
<EXPENSE-OTHER>                                 33,646
<INCOME-PRETAX>                                 12,007
<INCOME-PRE-EXTRAORDINARY>                      12,007
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,905
<EPS-PRIMARY>                                     1.44
<EPS-DILUTED>                                     1.44
<YIELD-ACTUAL>                                    3.18
<LOANS-NON>                                      7,354
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,922
<LOANS-PROBLEM>                                 13,508
<ALLOWANCE-OPEN>                                 8,174
<CHARGE-OFFS>                                    1,261
<RECOVERIES>                                     2,158
<ALLOWANCE-CLOSE>                                7,277
<ALLOWANCE-DOMESTIC>                             6,163
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,114