<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 43,025 <INT-BEARING-DEPOSITS> 3,010 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 93,097 <INVESTMENTS-CARRYING> 234,989 <INVESTMENTS-MARKET> 230,316 <LOANS> 361,303 <ALLOWANCE> 5,767 <TOTAL-ASSETS> 768,002 <DEPOSITS> 502,414 <SHORT-TERM> 123,085 <LIABILITIES-OTHER> 19,417 <LONG-TERM> 38,903 <PREFERRED-MANDATORY> 0 <PREFERRED> 2,526 <COMMON> 6,519 <OTHER-SE> 51,699 <TOTAL-LIABILITIES-AND-EQUITY> 768,002 <INTEREST-LOAN> 8,531 <INTEREST-INVEST> 5,186 <INTEREST-OTHER> 320 <INTEREST-TOTAL> 14,037 <INTEREST-DEPOSIT> 2,952 <INTEREST-EXPENSE> 5,011 <INTEREST-INCOME-NET> 9,026 <LOAN-LOSSES> 577 <SECURITIES-GAINS> 22 <EXPENSE-OTHER> 6,743 <INCOME-PRETAX> 3,367 <INCOME-PRE-EXTRAORDINARY> 3,367 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,760 <EPS-PRIMARY> 0.27 <EPS-DILUTED> 0.23 <YIELD-ACTUAL> 5.51 <LOANS-NON> 398 <LOANS-PAST> 351 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,192 <CHARGE-OFFS> 57 <RECOVERIES> 55 <ALLOWANCE-CLOSE> 5,767 <ALLOWANCE-DOMESTIC> 3,842 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,925