<ARTICLE>     9
<LEGEND>
    This schedule contains summary financial information extracted
    from the consolidated balance sheet as of March 31, 1996 and
    consolidated statements of income for the three months ended
    March 31, 1996. 
</LEGEND>
<MULTIPLIER>                         1,000
       
                                  
<PERIOD-TYPE>                        3-MOS
<FISCAL-YEAR-END>                    DEC-31-1996
<PERIOD-START>                       JAN-01-1996
<PERIOD-END>                         MAR-31-1996
<CASH>                               $    29,571
<INT-BEARING-DEPOSITS>                     1,438
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>              309,877
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                  979,242
<ALLOWANCE>                                4,992
<TOTAL-ASSETS>                         1,435,730
<DEPOSITS>                               955,011
<SHORT-TERM>                             211,568
<LIABILITIES-OTHER>                       62,196
<LONG-TERM>                               82,766
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                  81,357
<OTHER-SE>                                41,946
<TOTAL-LIABILITIES-AND-EQUITY>         1,435,730
<INTEREST-LOAN>                           19,074
<INTEREST-INVEST>                          4,820
<INTEREST-OTHER>                             268
<INTEREST-TOTAL>                          24,162
<INTEREST-DEPOSIT>                        10,439
<INTEREST-EXPENSE>                        16,061
<INTEREST-INCOME-NET>                      8,101
<LOAN-LOSSES>                                 65
<SECURITIES-GAINS>                           435
<EXPENSE-OTHER>                           24,188
<INCOME-PRETAX>                            4,511
<INCOME-PRE-EXTRAORDINARY>                 3,015
<EXTRAORDINARY>                            (388)
<CHANGES>                                      0
<NET-INCOME>                               2,627
<EPS-PRIMARY>                               0.16
<EPS-DILUTED>                               0.16
<YIELD-ACTUAL>                              2.52
<LOANS-NON>                                3,047
<LOANS-PAST>                                 430
<LOANS-TROUBLED>                             587
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                           5,002
<CHARGE-OFFS>                                121
<RECOVERIES>                                  46
<ALLOWANCE-CLOSE>                          4,992
<ALLOWANCE-DOMESTIC>                       3,787
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                    1,205