<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 MARCH 31,
1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> MAR-31-1997
<CASH> 7,869
<INT-BEARING-DEPOSITS> 3,836
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 285,123
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 971,200
<ALLOWANCE> 7,448
<TOTAL-ASSETS> 1,315,052
<DEPOSITS> 973,128
<SHORT-TERM> 85,293
<LIABILITIES-OTHER> 7,093
<LONG-TERM> 158,000
<COMMON> 27,852
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<OTHER-SE> 63,685
<TOTAL-LIABILITIES-AND-EQUITY> 1,315,052
<INTEREST-LOAN> 20,006
<INTEREST-INVEST> 5,195
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 25,201
<INTEREST-DEPOSIT> 10,919
<INTEREST-EXPENSE> 14,742
<INTEREST-INCOME-NET> 10,459
<LOAN-LOSSES> 350
<SECURITIES-GAINS> 130
<EXPENSE-OTHER> 7,142
<INCOME-PRETAX> 4,724
<INCOME-PRE-EXTRAORDINARY> 4,724
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,688
<EPS-PRIMARY> 0.55
<EPS-DILUTED> 0.55
<YIELD-ACTUAL> 3.29
<LOANS-NON> 6,722
<LOANS-PAST> 0
<LOANS-TROUBLED> 1,565
<LOANS-PROBLEM> 10,852
<ALLOWANCE-OPEN> 7,277
<CHARGE-OFFS> 179
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 7,448
<ALLOWANCE-DOMESTIC> 6,811
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 637