<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>