<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-K
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          26,790
<INT-BEARING-DEPOSITS>                           4,037
<FED-FUNDS-SOLD>                                25,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     44,489
<INVESTMENTS-CARRYING>                         630,106
<INVESTMENTS-MARKET>                           630,390
<LOANS>                                      1,410,904
<ALLOWANCE>                                      7,051
<TOTAL-ASSETS>                               2,209,051
<DEPOSITS>                                   1,840,485
<SHORT-TERM>                                    93,651
<LIABILITIES-OTHER>                             22,020
<LONG-TERM>                                     57,700
<PREFERRED-MANDATORY>                           17,748
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                     177,447
<TOTAL-LIABILITIES-AND-EQUITY>               2,209,051
<INTEREST-LOAN>                                107,157
<INTEREST-INVEST>                               54,841
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               161,998
<INTEREST-DEPOSIT>                              81,982
<INTEREST-EXPENSE>                             101,671
<INTEREST-INCOME-NET>                           60,327
<LOAN-LOSSES>                                      965
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 57,220
<INCOME-PRETAX>                                 10,542
<INCOME-PRE-EXTRAORDINARY>                      10,542
<EXTRAORDINARY>                                (20,870)
<CHANGES>                                            0
<NET-INCOME>                                    31,412
<EPS-PRIMARY>                                    4.479
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                      4,318
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,763
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,878
<CHARGE-OFFS>                                      621
<RECOVERIES>                                        85
<ALLOWANCE-CLOSE>                                7,051
<ALLOWANCE-DOMESTIC>                             7,051
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0