<ARTICLE>     9
<LEGEND>
                This schedule contains summary financial information extracted
                from the consolidated balance sheet as of September 30, 1996
                and consolidated statement of income for the nine months ended
                September 30, 1996 in the Company's September 30, 1996 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-START>                       JAN-01-1996
<PERIOD-END>                         SEP-30-1996
<CASH>                               $    30,069
<INT-BEARING-DEPOSITS>                       542
<FED-FUNDS-SOLD>                           6,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>              272,493
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                1,033,249
<ALLOWANCE>                                4,651
<TOTAL-ASSETS>                         1,445,300
<DEPOSITS>                               969,033
<SHORT-TERM>                             248,839
<LIABILITIES-OTHER>                       58,642
<LONG-TERM>                               49,317
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                  78,348
<OTHER-SE>                                41,111
<TOTAL-LIABILITIES-AND-EQUITY>         1,445,300
<INTEREST-LOAN>                           59,234
<INTEREST-INVEST>                         14,496
<INTEREST-OTHER>                             356
<INTEREST-TOTAL>                          73,986
<INTEREST-DEPOSIT>                        31,051
<INTEREST-EXPENSE>                        47,059
<INTEREST-INCOME-NET>                     26,927
<LOAN-LOSSES>                                210
<SECURITIES-GAINS>                           742
<EXPENSE-OTHER>                           77,260
<INCOME-PRETAX>                           16,571
<INCOME-PRE-EXTRAORDINARY>                10,915
<EXTRAORDINARY>                            (388)
<CHANGES>                                      0
<NET-INCOME>                              10,527
<EPS-PRIMARY>                               0.64
<EPS-DILUTED>                               0.64
<YIELD-ACTUAL>                              2.83
<LOANS-NON>                                4,591
<LOANS-PAST>                                 445
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                           5,002
<CHARGE-OFFS>                                643
<RECOVERIES>                                  92
<ALLOWANCE-CLOSE>                          4,651
<ALLOWANCE-DOMESTIC>                       3,939
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                      712