<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 31,902 <INT-BEARING-DEPOSITS> 45 <FED-FUNDS-SOLD> 10,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 449,323 <INVESTMENTS-CARRYING> 192,174 <INVESTMENTS-MARKET> 0 <LOANS> 610,597 <ALLOWANCE> 15,597 <TOTAL-ASSETS> 1,348,612 <DEPOSITS> 969,517 <SHORT-TERM> 245,048 <LIABILITIES-OTHER> 29,282 <LONG-TERM> 2,848 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 57 <OTHER-SE> 101,860 <TOTAL-LIABILITIES-AND-EQUITY> 1,348,612 <INTEREST-LOAN> 48,657 <INTEREST-INVEST> 35,051 <INTEREST-OTHER> 569 <INTEREST-TOTAL> 84,277 <INTEREST-DEPOSIT> 32,638 <INTEREST-EXPENSE> 41,173 <INTEREST-INCOME-NET> 43,104 <LOAN-LOSSES> 2,950 <SECURITIES-GAINS> 256 <EXPENSE-OTHER> 14,199 <INCOME-PRETAX> 13,887 <INCOME-PRE-EXTRAORDINARY> 13,877 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 18,160 <EPS-PRIMARY> 3.29 <EPS-DILUTED> 3.26 <YIELD-ACTUAL> 7.52 <LOANS-NON> 6,547 <LOANS-PAST> 428 <LOANS-TROUBLED> 198 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 14,986 <CHARGE-OFFS> 4,555 <RECOVERIES> 2,216 <ALLOWANCE-CLOSE> 15,597 <ALLOWANCE-DOMESTIC> 15,597 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0