<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the year
ended December 31, 1996 and the nine month period ended December 31, 1995 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 12-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1995
<PERIOD-START> JAN-01-1996 APR-01-1995
<PERIOD-END> DEC-31-1996 DEC-31-1995
<CASH> 8,334 5,275
<INT-BEARING-DEPOSITS> 740 1,067
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 172,319 297,000
<INVESTMENTS-CARRYING> 67,936 71,614
<INVESTMENTS-MARKET> 67,875 71,976
<LOANS> 61,438 64,734
<ALLOWANCE> (7,208) (3,460)
<TOTAL-ASSETS> 595,571 610,537
<DEPOSITS> 330,655 335,861
<SHORT-TERM> 136,146 145,792
<LIABILITIES-OTHER> 12,078 11,166
<LONG-TERM> 55,803 50,803
<COMMON> 60,889 66,915
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<OTHER-SE> 0 0
<TOTAL-LIABILITIES-AND-EQUITY> 595,571 610,537
<INTEREST-LOAN> 24,842 13,536
<INTEREST-INVEST> 20,487 18,334
<INTEREST-OTHER> 552 368
<INTEREST-TOTAL> 45,881 32,238
<INTEREST-DEPOSIT> 14,595 11,881
<INTEREST-EXPENSE> 25,917 18,941
<INTEREST-INCOME-NET> 19,964 13,297
<LOAN-LOSSES> 4,293 1,150
<SECURITIES-GAINS> 2,529 1,039
<EXPENSE-OTHER> 19,506 9,223
<INCOME-PRETAX> 6,568 4,561
<INCOME-PRE-EXTRAORDINARY> 4,216 2,777
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 4,216 2,777
<EPS-PRIMARY> 1.13 0.69
<EPS-DILUTED> 1.13 0.69
<YIELD-ACTUAL> 8.01 7.74
<LOANS-NON> 5,294 4,388
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 3,460 2,796
<CHARGE-OFFS> 754 502
<RECOVERIES> 209 16
<ALLOWANCE-CLOSE> 7,208 3,460
<ALLOWANCE-DOMESTIC> 4,266 1,586
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 2,942 1,874