<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at March 31, 1996 and the
Consolidated Statement of Operations for the three months Ended March 31,
1996 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-31-1996
<CASH>                                          25,431
<INT-BEARING-DEPOSITS>                       1,057,467
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    518,009
<INVESTMENTS-CARRYING>                         302,136
<INVESTMENTS-MARKET>                           296,699
<LOANS>                                        586,363
<ALLOWANCE>                                      8,859
<TOTAL-ASSETS>                               1,485,076
<DEPOSITS>                                   1,096,400
<SHORT-TERM>                                   145,246
<LIABILITIES-OTHER>                             54,275
<LONG-TERM>                                     95,618
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      93,487
<TOTAL-LIABILITIES-AND-EQUITY>               1,485,076
<INTEREST-LOAN>                                 12,365
<INTEREST-INVEST>                               13,540
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                25,905
<INTEREST-DEPOSIT>                              10,704
<INTEREST-EXPENSE>                              14,566
<INTEREST-INCOME-NET>                           11,339
<LOAN-LOSSES>                                      650
<SECURITIES-GAINS>                                 144
<EXPENSE-OTHER>                                  7,445
<INCOME-PRETAX>                                  5,397
<INCOME-PRE-EXTRAORDINARY>                       5,397
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,858
<EPS-PRIMARY>                                     0.64
<EPS-DILUTED>                                     0.64
<YIELD-ACTUAL>                                    7.41
<LOANS-NON>                                      9,065
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 6,666
<LOANS-PROBLEM>                                 21,162
<ALLOWANCE-OPEN>                                 8,573
<CHARGE-OFFS>                                      776
<RECOVERIES>                                       412
<ALLOWANCE-CLOSE>                                8,859
<ALLOWANCE-DOMESTIC>                             8,859
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0