<ARTICLE> 9
<LEGEND> This schedule contains summary financial information extracted from
financial statements as of and for the 3rd and 9th month ended September 30,
1997 and 1996 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-31-1997 DEC-31-1996
<PERIOD-START> JAN-01-1997 JAN-01-1996
<PERIOD-END> SEP-30-1997 SEP-30-1996
<CASH> 12,754 5,990
<INT-BEARING-DEPOSITS> 628 1,108
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 136,099 207,739
<INVESTMENTS-CARRYING> 56,793 68,708
<INVESTMENTS-MARKET> 56,320 68,235
<LOANS> 348,215 308,749
<ALLOWANCE> 5,729 4,516
<TOTAL-ASSETS> 596,918 612,800
<DEPOSITS> 396,445 313,979
<SHORT-TERM> 135,453 167,330
<LIABILITIES-OTHER> 13,147 18,218
<LONG-TERM> 5,803 54,499
<COMMON> 46,070 58,774
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<OTHER-SE> 0 0
<TOTAL-LIABILITIES-AND-EQUITY> 596,918 612,800
<INTEREST-LOAN> 30,713 16,870
<INTEREST-INVEST> 10,798 16,408
<INTEREST-OTHER> 577 384
<INTEREST-TOTAL> 42,088 33,662
<INTEREST-DEPOSIT> 13,713 10,863
<INTEREST-EXPENSE> 21,381 19,174
<INTEREST-INCOME-NET> 21,707 14,488
<LOAN-LOSSES> 24,582 1,680
<SECURITIES-GAINS> 1,208 2,036
<EXPENSE-OTHER> 18,193 13,704
<INCOME-PRETAX> (22,982) 2,093
<INCOME-PRE-EXTRAORDINARY> (22,982) 2,093
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> (14,611) 1,384
<EPS-PRIMARY> (4.16) .37
<EPS-DILUTED> (4.16) .37
<YIELD-ACTUAL> 9.50 7.85
<LOANS-NON> 6,137 3,822
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 7,208 3,460
<CHARGE-OFFS> 27,277 624
<RECOVERIES> 1,627 0
<ALLOWANCE-CLOSE> 5,729 4,516
<ALLOWANCE-DOMESTIC> 4,808 2,977
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 921 1,539