<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
CONSOLIDATED STATEMENTS OF POSITION, THE CONSOLIDATED STATEMENTS OF EARNINGS,
THE NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS, AND THE SELECTED 
FINANCIAL AND OTHER DATA AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO 
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          15,854
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 1,837
<INVESTMENTS-HELD-FOR-SALE>                    255,103
<INVESTMENTS-CARRYING>                          71,292
<INVESTMENTS-MARKET>                            69,441
<LOANS>                                        884,353
<ALLOWANCE>                                    (7,369)
<TOTAL-ASSETS>                               1,259,423
<DEPOSITS>                                   1,029,989
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              9,484
<LONG-TERM>                                    128,185
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,371
<OTHER-SE>                                      83,117
<TOTAL-LIABILITIES-AND-EQUITY>               1,259,423
<INTEREST-LOAN>                                 52,463
<INTEREST-INVEST>                               15,175
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                67,638
<INTEREST-DEPOSIT>                              34,148
<INTEREST-EXPENSE>                              38,684
<INTEREST-INCOME-NET>                           28,954
<LOAN-LOSSES>                                    2,950
<SECURITIES-GAINS>                                 692
<EXPENSE-OTHER>                                 17,262
<INCOME-PRETAX>                                 11,376
<INCOME-PRE-EXTRAORDINARY>                       6,927
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,927
<EPS-PRIMARY>                                     2.19
<EPS-DILUTED>                                     2.16
<YIELD-ACTUAL>                                    3.19
<LOANS-NON>                                     15,411
<LOANS-PAST>                                       453
<LOANS-TROUBLED>                                 5,037
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,906
<CHARGE-OFFS>                                  (3,027)
<RECOVERIES>                                       540
<ALLOWANCE-CLOSE>                                7,369
<ALLOWANCE-DOMESTIC>                             7,369
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0