<ARTICLE> 9
<LEGEND>
THIS FINANCIAL DATA SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE COMPANY'S ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO THE FINANCIAL STATEMENTS INCLUDED THEREIN.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 12-MOS
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1996
<PERIOD-START> OCT-01-1996 JAN-01-1996
<PERIOD-END> DEC-31-1996 DEC-31-1996
<CASH> 11,331 00000
<INT-BEARING-DEPOSITS> 4,464 00000
<FED-FUNDS-SOLD> 0 00000
<TRADING-ASSETS> 0 00000
<INVESTMENTS-HELD-FOR-SALE> 174,482 00000
<INVESTMENTS-CARRYING> 173,510 00000
<INVESTMENTS-MARKET> 173,372 00000
<LOANS> 653,556 00000
<ALLOWANCE> 7,759 00000
<TOTAL-ASSETS> 1,032,213 00000
<DEPOSITS> 652,509 00000
<SHORT-TERM> 179,357 00000
<LIABILITIES-OTHER> 9,010 00000
<LONG-TERM> 89,935 00000
<PREFERRED-MANDATORY> 0 00000
<PREFERRED> 0 00000
<COMMON> 53 00000
<OTHER-SE> 101,349 00000
<TOTAL-LIABILITIES-AND-EQUITY> 1,032,213 00000
<INTEREST-LOAN> 13,075 48,661
<INTEREST-INVEST> 5,798 22,415
<INTEREST-OTHER> 65 265
<INTEREST-TOTAL> 18,938 71,341
<INTEREST-DEPOSIT> 6,787 25,775
<INTEREST-EXPENSE> 10,687 40,064
<INTEREST-INCOME-NET> 8,251 31,277
<LOAN-LOSSES> 200 605
<SECURITIES-GAINS> (47) (47)
<EXPENSE-OTHER> 4,176 18,966<F1>
<INCOME-PRETAX> 4,255 13,344
<INCOME-PRE-EXTRAORDINARY> 4,255 13,344
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 2,699 8,523
<EPS-PRIMARY> .52 1.65
<EPS-DILUTED> .52 1.64
<YIELD-ACTUAL> 3.33 3.33
<LOANS-NON> 4,886 00000
<LOANS-PAST> 136 00000
<LOANS-TROUBLED> 0 00000
<LOANS-PROBLEM> 0 00000
<ALLOWANCE-OPEN> 7,127 00000
<CHARGE-OFFS> 420 00000
<RECOVERIES> 447 00000
<ALLOWANCE-CLOSE> 7,759 00000
<ALLOWANCE-DOMESTIC> 7,759 00000
<ALLOWANCE-FOREIGN> 0 00000
<ALLOWANCE-UNALLOCATED> 0 00000
<FN>
<F1> Expense - Other for the 12 month period ended December 31, 1996 includes a
federally-mandated "SAIF" recapitalization charge of $2.1 million. The
after-tax effect on income of this one-time charge was $0.23 per share.
</FN>