<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at September 30, 1996 and
the Consolidated Statement of Operations for the nine 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>                                          30,573
<INT-BEARING-DEPOSITS>                       1,085,533
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    445,604
<INVESTMENTS-CARRYING>                         301,749
<INVESTMENTS-MARKET>                           295,245
<LOANS>                                        738,240
<ALLOWANCE>                                     10,314
<TOTAL-ASSETS>                               1,564,697
<DEPOSITS>                                   1,127,257
<SHORT-TERM>                                   136,230
<LIABILITIES-OTHER>                            201,070
<LONG-TERM>                                     62,170
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                      93,873
<TOTAL-LIABILITIES-AND-EQUITY>               1,564,697
<INTEREST-LOAN>                                 40,451
<INTEREST-INVEST>                               40,430
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                80,881
<INTEREST-DEPOSIT>                              33,135
<INTEREST-EXPENSE>                              45,539
<INTEREST-INCOME-NET>                           35,342
<LOAN-LOSSES>                                    2,475
<SECURITIES-GAINS>                                  88
<EXPENSE-OTHER>                                 29,484
<INCOME-PRETAX>                                 10,571
<INCOME-PRE-EXTRAORDINARY>                      10,571
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,961
<EPS-PRIMARY>                                     1.35
<EPS-DILUTED>                                     1.35
<YIELD-ACTUAL>                                    7.46
<LOANS-NON>                                      9,925
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 3,746
<LOANS-PROBLEM>                                 20,791
<ALLOWANCE-OPEN>                                 8,573
<CHARGE-OFFS>                                    1,541
<RECOVERIES>                                       807
<ALLOWANCE-CLOSE>                               10,314
<ALLOWANCE-DOMESTIC>                            10,314
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0