<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheet, the consolidated income statement of income and bank
records and is qualified in its entirety by reference to such report on Form
10-Q.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1996
<CASH>                                        $ 20,995
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,450
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         109,663
<INVESTMENTS-MARKET>                           109,763
<LOANS>                                        698,839
<ALLOWANCE>                                      4,261
<TOTAL-ASSETS>                                 873,851
<DEPOSITS>                                     693,371
<SHORT-TERM>                                    40,584
<LIABILITIES-OTHER>                              9,159
<LONG-TERM>                                     70,810
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,000
<COMMON>                                         3,491
<OTHER-SE>                                      51,436
<TOTAL-LIABILITIES-AND-EQUITY>                 873,851
<INTEREST-LOAN>                                 17,105
<INTEREST-INVEST>                                2,503
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                19,608
<INTEREST-DEPOSIT>                               8,834
<INTEREST-EXPENSE>                              10,304
<INTEREST-INCOME-NET>                            9,304
<LOAN-LOSSES>                                    1,931
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,975
<INCOME-PRETAX>                                  3,066
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   $ 1,923
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .24
<YIELD-ACTUAL>                                    4.48
<LOANS-NON>                                   $    858
<LOANS-PAST>                                     2,162
<LOANS-TROUBLED>                                 1,110
<LOANS-PROBLEM>                                  3,924
<ALLOWANCE-OPEN>                                 3,695
<CHARGE-OFFS>                                    1,400
<RECOVERIES>                                        35
<ALLOWANCE-CLOSE>                                4,261
<ALLOWANCE-DOMESTIC>                             4,261
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,712