<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 0<F2> <INT-BEARING-DEPOSITS> 0<F2> <FED-FUNDS-SOLD> 0<F2> <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 471,828 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 615,790 <ALLOWANCE> 0<F2> <TOTAL-ASSETS> 1,130,204 <DEPOSITS> 931,273 <SHORT-TERM> 98,800 <LIABILITIES-OTHER> 0<F2> <LONG-TERM> 0<F2> <PREFERRED-MANDATORY> 0<F1> <PREFERRED> 0<F1> <COMMON> 0<F1> <OTHER-SE> 92,091 <TOTAL-LIABILITIES-AND-EQUITY> 1,130,204 <INTEREST-LOAN> 0<F2> <INTEREST-INVEST> 0<F2> <INTEREST-OTHER> 0<F2> <INTEREST-TOTAL> 18,988 <INTEREST-DEPOSIT> 0<F2> <INTEREST-EXPENSE> 11,208 <INTEREST-INCOME-NET> 7,780 <LOAN-LOSSES> 125 <SECURITIES-GAINS> 0<F2> <EXPENSE-OTHER> 4,460 <INCOME-PRETAX> 3,891 <INCOME-PRE-EXTRAORDINARY> 3,891 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,411 <EPS-PRIMARY> 0<F1> <EPS-DILUTED> 0<F1> <YIELD-ACTUAL> 0<F2> <LOANS-NON> 0<F2> <LOANS-PAST> 0<F2> <LOANS-TROUBLED> 0<F2> <LOANS-PROBLEM> 0<F2> <ALLOWANCE-OPEN> 0<F2> <CHARGE-OFFS> 0<F2> <RECOVERIES> 0<F2> <ALLOWANCE-CLOSE> 0<F2> <ALLOWANCE-DOMESTIC> 0<F2> <ALLOWANCE-FOREIGN> 0<F1> <ALLOWANCE-UNALLOCATED> 0<F2> <FN> <F1>Not applicable. <F2>Not broken out in Recent Developments. </FN>