<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                         29,161
<INT-BEARING-DEPOSITS>                         2,703
<FED-FUNDS-SOLD>                               600
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    125,428
<INVESTMENTS-CARRYING>                         110,766
<INVESTMENTS-MARKET>                           110,874
<LOANS>                                        0
<ALLOWANCE>                                    0
<TOTAL-ASSETS>                                 926,071
<DEPOSITS>                                     763,642
<SHORT-TERM>                                   80,172
<LIABILITIES-OTHER>                            10,630
<LONG-TERM>                                    15,048
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       5,291
<OTHER-SE>                                     65,225
<TOTAL-LIABILITIES-AND-EQUITY>                 926,071
<INTEREST-LOAN>                                49,462
<INTEREST-INVEST>                              15,907
<INTEREST-OTHER>                               295
<INTEREST-TOTAL>                               65,664
<INTEREST-DEPOSIT>                             26,711
<INTEREST-EXPENSE>                             33,140
<INTEREST-INCOME-NET>                          32,524
<LOAN-LOSSES>                                  3,837
<SECURITIES-GAINS>                             288
<EXPENSE-OTHER>                                0
<INCOME-PRETAX>                                5,913
<INCOME-PRE-EXTRAORDINARY>                     0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   4,017
<EPS-PRIMARY>                                  .74
<EPS-DILUTED>                                  .74
<YIELD-ACTUAL>                                 8.21
<LOANS-NON>                                    7,084
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               6,082
<CHARGE-OFFS>                                  2,903
<RECOVERIES>                                   190
<ALLOWANCE-CLOSE>                              7,206
<ALLOWANCE-DOMESTIC>                           6,213
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        993