<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                              
<PERIOD-TYPE>                                                    3-MOS
<FISCAL-YEAR-END>                                                                                DEC-31-1996
<PERIOD-END>                                                                                     MAR-31-1996
<CASH>                                                                                                30,933
<INT-BEARING-DEPOSITS>                                                                                     0
<FED-FUNDS-SOLD>                                                                                           0
<TRADING-ASSETS>                                                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                                                          121,475
<INVESTMENTS-CARRYING>                                                                                40,964
<INVESTMENTS-MARKET>                                                                                  41,911
<LOANS>                                                                                              653,966
<ALLOWANCE>                                                                                            6,633
<TOTAL-ASSETS>                                                                                     1,055,011
<DEPOSITS>                                                                                           812,797
<SHORT-TERM>                                                                                         134,440
<LIABILITIES-OTHER>                                                                                   10,302
<LONG-TERM>                                                                                           23,200
<COMMON>                                                                                              12,730
<PREFERRED-MANDATORY>                                                                                      0
<PREFERRED>                                                                                                0
<OTHER-SE>                                                                                            61,542
<TOTAL-LIABILITIES-AND-EQUITY>                                                                     1,055,011
<INTEREST-LOAN>                                                                                       18,303
<INTEREST-INVEST>                                                                                      2,785
<INTEREST-OTHER>                                                                                           5
<INTEREST-TOTAL>                                                                                      21,093
<INTEREST-DEPOSIT>                                                                                     7,233
<INTEREST-EXPENSE>                                                                                     9,683
<INTEREST-INCOME-NET>                                                                                 11,410
<LOAN-LOSSES>                                                                                            271
<SECURITIES-GAINS>                                                                                        61
<EXPENSE-OTHER>                                                                                        9,511
<INCOME-PRETAX>                                                                                        3,541
<INCOME-PRE-EXTRAORDINARY>                                                                                 0
<EXTRAORDINARY>                                                                                            0
<CHANGES>                                                                                                  0
<NET-INCOME>                                                                                           2,461
<EPS-PRIMARY>                                                                                            .48
<EPS-DILUTED>                                                                                            .48
<YIELD-ACTUAL>                                                                                          4.70
<LOANS-NON>                                                                                            2,703
<LOANS-PAST>                                                                                           1,448
<LOANS-TROUBLED>                                                                                         139
<LOANS-PROBLEM>                                                                                          264
<ALLOWANCE-OPEN>                                                                                       6,566
<CHARGE-OFFS>                                                                                            260
<RECOVERIES>                                                                                              56
<ALLOWANCE-CLOSE>                                                                                      6,633
<ALLOWANCE-DOMESTIC>                                                                                       0
<ALLOWANCE-FOREIGN>                                                                                        0
<ALLOWANCE-UNALLOCATED>                                                                                    0