<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                          21,231
<INT-BEARING-DEPOSITS>                             350
<FED-FUNDS-SOLD>                                 5,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     58,164
<INVESTMENTS-CARRYING>                          64,650
<INVESTMENTS-MARKET>                            64,164
<LOANS>                                        761,349
<ALLOWANCE>                                      5,409
<TOTAL-ASSETS>                                 941,007
<DEPOSITS>                                     544,832
<SHORT-TERM>                                   184,861
<LIABILITIES-OTHER>                              8,059
<LONG-TERM>                                    119,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            66
<OTHER-SE>                                      83,689
<TOTAL-LIABILITIES-AND-EQUITY>                 941,007
<INTEREST-LOAN>                                 13,786
<INTEREST-INVEST>                                2,211
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                15,997
<INTEREST-DEPOSIT>                               4,172
<INTEREST-EXPENSE>                               8,857
<INTEREST-INCOME-NET>                            7,140
<LOAN-LOSSES>                                      425
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,465
<INCOME-PRETAX>                                  3,245
<INCOME-PRE-EXTRAORDINARY>                       3,245
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,914
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    3.32
<LOANS-NON>                                      1,600
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,400
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,020
<CHARGE-OFFS>                                      153
<RECOVERIES>                                       117
<ALLOWANCE-CLOSE>                                5,409
<ALLOWANCE-DOMESTIC>                             5,409
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0