<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
DECEMBER 31, 1996 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                      76,900,524
<INT-BEARING-DEPOSITS>                         731,554
<FED-FUNDS-SOLD>                            15,200,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                461,099,272
<INVESTMENTS-CARRYING>                      72,754,985
<INVESTMENTS-MARKET>                        73,316,000
<LOANS>                                    941,943,513
<ALLOWANCE>                                 11,328,359
<TOTAL-ASSETS>                           1,632,095,082
<DEPOSITS>                               1,353,057,111
<SHORT-TERM>                               100,976,120
<LIABILITIES-OTHER>                         21,247,598
<LONG-TERM>                                 34,860,024
<COMMON>                                    40,428,420
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  81,525,809
<TOTAL-LIABILITIES-AND-EQUITY>           1,632,095,082
<INTEREST-LOAN>                             80,301,707
<INTEREST-INVEST>                           29,596,714
<INTEREST-OTHER>                             1,484,696
<INTEREST-TOTAL>                           111,383,117
<INTEREST-DEPOSIT>                          49,507,425
<INTEREST-EXPENSE>                           5,823,550
<INTEREST-INCOME-NET>                       56,052,142
<LOAN-LOSSES>                                2,900,000
<SECURITIES-GAINS>                             321,256
<EXPENSE-OTHER>                             56,693,553
<INCOME-PRETAX>                             19,786,030
<INCOME-PRE-EXTRAORDINARY>                  19,786,030
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                14,015,430
<EPS-PRIMARY>                                     1.69
<EPS-DILUTED>                                     1.69
<YIELD-ACTUAL>                                    7.58
<LOANS-NON>                                  2,663,000
<LOANS-PAST>                                 2,936,000
<LOANS-TROUBLED>                               568,000
<LOANS-PROBLEM>                              6,167,000
<ALLOWANCE-OPEN>                            11,069,869
<CHARGE-OFFS>                                4,061,211
<RECOVERIES>                                 1,419,701
<ALLOWANCE-CLOSE>                           11,328,359
<ALLOWANCE-DOMESTIC>                        11,328,359
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0