<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q AND IS 
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           3,039
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    489,368
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        650,350
<ALLOWANCE>                                      5,943
<TOTAL-ASSETS>                               1,190,063
<DEPOSITS>                                     926,271
<SHORT-TERM>                                     5,400
<LIABILITIES-OTHER>                              7,973
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                     246,611
<TOTAL-LIABILITIES-AND-EQUITY>               1,190,063
<INTEREST-LOAN>                                 37,211
<INTEREST-INVEST>                               21,889
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                59,100
<INTEREST-DEPOSIT>                              30,680
<INTEREST-EXPENSE>                              32,959
<INTEREST-INCOME-NET>                           26,141
<LOAN-LOSSES>                                      475
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 33,491
<INCOME-PRETAX>                                 (5,831)
<INCOME-PRE-EXTRAORDINARY>                      (5,831)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    (4,934)
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.08
<LOANS-NON>                                      9,575
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,001
<CHARGE-OFFS>                                        0<F1>
<RECOVERIES>                                         0<F1>
<ALLOWANCE-CLOSE>                                5,943
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>
Information not disclosed in 10-Q.
</FN>