<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 70,338 <INT-BEARING-DEPOSITS> 1,334 <FED-FUNDS-SOLD> 4,475 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 152,776 <INVESTMENTS-CARRYING> 143,534 <INVESTMENTS-MARKET> 142,544 <LOANS> 1,303,822 <ALLOWANCE> 22,439 <TOTAL-ASSETS> 1,726,748 <DEPOSITS> 1,429,708 <SHORT-TERM> 78,699 <LIABILITIES-OTHER> 29,409 <LONG-TERM> 34,179 <PREFERRED-MANDATORY> 0 <PREFERRED> 3,525 <COMMON> 18,527 <OTHER-SE> 132,701 <TOTAL-LIABILITIES-AND-EQUITY> 1,726,748 <INTEREST-LOAN> 118,375 <INTEREST-INVEST> 19,724 <INTEREST-OTHER> 887 <INTEREST-TOTAL> 138,986 <INTEREST-DEPOSIT> 51,973 <INTEREST-EXPENSE> 58,242 <INTEREST-INCOME-NET> 80,744 <LOAN-LOSSES> 6,137 <SECURITIES-GAINS> 829 <EXPENSE-OTHER> 62,826 <INCOME-PRETAX> 27,099 <INCOME-PRE-EXTRAORDINARY> 27,099 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 18,433 <EPS-PRIMARY> 1.93 <EPS-DILUTED> 1.84 <YIELD-ACTUAL> 8.61 <LOANS-NON> 6,474 <LOANS-PAST> 2,674 <LOANS-TROUBLED> 2,146 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 21,550 <CHARGE-OFFS> 6,606 <RECOVERIES> 1,358 <ALLOWANCE-CLOSE> 22,439 <ALLOWANCE-DOMESTIC> 22,439 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0