<ARTICLE>                                            9
<LEGEND>                    This schedule contains summary financial information
                            extracted from the Consolidated Statement of
                            Financial Condition at March 31, 1996 (Unaudited)
                            and the Consolidated Statement of Operations for 
                            the three months ended March 31, 1996 (Unaudited)
                            and is qualified in its entirety by reference to
                            such financial statements.
</LEGEND>
<MULTIPLIER>                                     1,000
<CURRENCY>                                U.S. Dollars
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             Jan-01-1996
<PERIOD-END>                               Mar-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                         61,133
<INT-BEARING-DEPOSITS>                         1,215,369
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    559,775
<INVESTMENTS-CARRYING>                         40,537
<INVESTMENTS-MARKET>                           40,537
<LOANS>                                        863,348
<ALLOWANCE>                                    18,700
<TOTAL-ASSETS>                                 1,642,825
<DEPOSITS>                                     1,323,229
<SHORT-TERM>                                   107,366
<LIABILITIES-OTHER>                            54,411
<LONG-TERM>                                    21,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       117
<OTHER-SE>                                     136,702
<TOTAL-LIABILITIES-AND-EQUITY>                 1,642,825
<INTEREST-LOAN>                                20,333
<INTEREST-INVEST>                              11,759
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                               32,092
<INTEREST-DEPOSIT>                             12,379
<INTEREST-EXPENSE>                             15,620
<INTEREST-INCOME-NET>                          16,472
<LOAN-LOSSES>                                  940
<SECURITIES-GAINS>                             2,292
<EXPENSE-OTHER>                                14,515
<INCOME-PRETAX>                                7,851
<INCOME-PRE-EXTRAORDINARY>                     7,851
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   4,710
<EPS-PRIMARY>                                  0.42
<EPS-DILUTED>                                  0.42
<YIELD-ACTUAL>                                 8.18
<LOANS-NON>                                    8,973
<LOANS-PAST>                                   1,295
<LOANS-TROUBLED>                               3,456
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               19,000
<CHARGE-OFFS>                                  1,854
<RECOVERIES>                                     614
<ALLOWANCE-CLOSE>                              18,700
<ALLOWANCE-DOMESTIC>                           18,700
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        4,378