<ARTICLE> 9
<LEGEND> This schedule contains summary financial information extracted from
unaudited condensed consolidated financial statements as of and for the nine
months ended September, 1996 and September, 1995 and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                             
<PERIOD-TYPE>                   9-MOS                              9-MOS
<FISCAL-YEAR-END>                        DEC-31-1996                        DEC-31-1995
<PERIOD-START>                           JAN-01-1996                        JAN-01-1995
<PERIOD-END>                             SEP-30-1996                        SEP-30-1995
<CASH>                                         6,029                              4,489
<INT-BEARING-DEPOSITS>                         1,108                              1,040
<FED-FUNDS-SOLD>                                   0                                  0
<TRADING-ASSETS>                                   0                                  0
<INVESTMENTS-HELD-FOR-SALE>                  207,739                            177,124
<INVESTMENTS-CARRYING>                        68,708                            165,435
<INVESTMENTS-MARKET>                          68,235                            165,668
<LOANS>                                      308,749                            207,486
<ALLOWANCE>                                    4,516                              3,456
<TOTAL-ASSETS>                               612,840                            569,763
<DEPOSITS>                                   314,018                            341,215
<SHORT-TERM>                                 157,330                                  0
<LIABILITIES-OTHER>                           18,220                                  0
<LONG-TERM>                                   54,499                             60,803
<COMMON>                                      58,773                             64,580
<PREFERRED-MANDATORY>                              0                                  0
<PREFERRED>                                        0                                  0
<OTHER-SE>                                         0                                  0
<TOTAL-LIABILITIES-AND-EQUITY>               612,840                            569,763
<INTEREST-LOAN>                               16,870                             12,830
<INTEREST-INVEST>                             16,408                             16,309
<INTEREST-OTHER>                                 384                                444
<INTEREST-TOTAL>                              33,662                             29,583
<INTEREST-DEPOSIT>                            10,863                             11,643
<INTEREST-EXPENSE>                            19,174                             17,399
<INTEREST-INCOME-NET>                         14,488                             12,184
<LOAN-LOSSES>                                  1,680                                880
<SECURITIES-GAINS>                             2,036                                930
<EXPENSE-OTHER>                               13,704                              9,316
<INCOME-PRETAX>                                2,093                              3,553
<INCOME-PRE-EXTRAORDINARY>                     2,093                              3,553
<EXTRAORDINARY>                                    0                                  0
<CHANGES>                                          0                                  0
<NET-INCOME>                                   1,384                              2,272
<EPS-PRIMARY>                                   0.37                                  0
<EPS-DILUTED>                                   0.37                                  0
<YIELD-ACTUAL>                                  7.85                               7.61
<LOANS-NON>                                    3,822                              3,953
<LOANS-PAST>                                       0                                  0
<LOANS-TROUBLED>                                   0                                  0
<LOANS-PROBLEM>                                    0                                  0
<ALLOWANCE-OPEN>                               3,460                              2,714
<CHARGE-OFFS>                                    624                                139
<RECOVERIES>                                       0                                  0
<ALLOWANCE-CLOSE>                              4,516                              3,456
<ALLOWANCE-DOMESTIC>                           2,977                              2,278
<ALLOWANCE-FOREIGN>                                0                                  0
<ALLOWANCE-UNALLOCATED>                        1,539                              1,178