<ARTICLE>                                            9
<LEGEND>
     This  schedule  contains  summary  financial   information  extracted  from  the
consolidated  balance  sheet,  the  consolidated  statement  of income  and bank
records and is  qualified  in its  entirety by  reference to such report on Form
10-K.

dollars in thousands, except earnings per share figures

</LEGEND>
       
                                            
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                          40,021
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                16,650
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         281,855
<INVESTMENTS-MARKET>                           281,632
<LOANS>                                        759,424
<ALLOWANCE>                                      6,241
<TOTAL-ASSETS>                               1,140,882
<DEPOSITS>                                     783,141
<SHORT-TERM>                                   181,634
<LIABILITIES-OTHER>                             10,114
<LONG-TERM>                                    106,974
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,000
<COMMON>                                         3,941
<OTHER-SE>                                      50,528
<TOTAL-LIABILITIES-AND-EQUITY>               1,140,882
<INTEREST-LOAN>                                 70,831
<INTEREST-INVEST>                                9,880
<INTEREST-OTHER>                                 1,275
<INTEREST-TOTAL>                                81,986
<INTEREST-DEPOSIT>                              36,084
<INTEREST-EXPENSE>                              43,855
<INTEREST-INCOME-NET>                           38,131
<LOAN-LOSSES>                                    9,149
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 31,409
<INCOME-PRETAX>                                  4,670
<INCOME-PRE-EXTRAORDINARY>                       2,727
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,727
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    9.04
<LOANS-NON>                                      3,055
<LOANS-PAST>                                    17,906
<LOANS-TROUBLED>                                 1,809
<LOANS-PROBLEM>                                  3,645
<ALLOWANCE-OPEN>                                 3,695
<CHARGE-OFFS>                                    7,129
<RECOVERIES>                                       526
<ALLOWANCE-CLOSE>                                6,241
<ALLOWANCE-DOMESTIC>                             6,241
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,241