<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from
Consolidated Statements of Financial Condition at September 30, 1996 and
December 31, 1995; Consolidated Statements of Operations for the
nine months ended September 30, 1996 and 1995 and Form 10-Q 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-31-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           8,489
<INT-BEARING-DEPOSITS>                          41,733
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                 2,722
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          50,287
<INVESTMENTS-MARKET>                            60,177
<LOANS>                                        494,798
<ALLOWANCE>                                    (4,060)
<TOTAL-ASSETS>                                 685,827
<DEPOSITS>                                     517,146
<SHORT-TERM>                                    47,995
<LIABILITIES-OTHER>                              8,372
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,381
<OTHER-SE>                                     104,933
<TOTAL-LIABILITIES-AND-EQUITY>                 685,827
<INTEREST-LOAN>                                 28,587
<INTEREST-INVEST>                                5,651
<INTEREST-OTHER>                                 2,434
<INTEREST-TOTAL>                                36,672
<INTEREST-DEPOSIT>                              16,386
<INTEREST-EXPENSE>                              18,717
<INTEREST-INCOME-NET>                           17,955
<LOAN-LOSSES>                                       44
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 15,135
<INCOME-PRETAX>                                  5,468
<INCOME-PRE-EXTRAORDINARY>                       5,468
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,440
<EPS-PRIMARY>                                      .50
<EPS-DILUTED>                                      .50
<YIELD-ACTUAL>                                    3.88
<LOANS-NON>                                      1,841
<LOANS-PAST>                                        36
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,701
<ALLOWANCE-OPEN>                                 3,729
<CHARGE-OFFS>                                      393
<RECOVERIES>                                       183
<ALLOWANCE-CLOSE>                                4,060
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,060
<FN>
<F1>In thousands, except per share data.
</FN>