<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 74,392,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 204,922,000 <INVESTMENTS-CARRYING> 107,064,000 <INVESTMENTS-MARKET> 107,627,000 <LOANS> 1,358,650,000 <ALLOWANCE> 20,126,000 <TOTAL-ASSETS> 1,798,455,000 <DEPOSITS> 1,480,276,000 <SHORT-TERM> 87,729,000 <LIABILITIES-OTHER> 26,436,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 30,391,000 <OTHER-SE> 173,623,000 <TOTAL-LIABILITIES-AND-EQUITY> 1,798,455,000 <INTEREST-LOAN> 30,173,000 <INTEREST-INVEST> 4,508,000 <INTEREST-OTHER> 71,000 <INTEREST-TOTAL> 34,752,000 <INTEREST-DEPOSIT> 12,416,000 <INTEREST-EXPENSE> 13,866,000 <INTEREST-INCOME-NET> 20,886,000 <LOAN-LOSSES> 450,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,258,000 <INCOME-PRETAX> 11,444,000 <INCOME-PRE-EXTRAORDINARY> 11,444,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,504,000 <EPS-PRIMARY> 0.62 <EPS-DILUTED> 0.62 <YIELD-ACTUAL> 5.21 <LOANS-NON> 4,196,000 <LOANS-PAST> 4,208,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 20,017,000 <CHARGE-OFFS> 499,000 <RECOVERIES> 158,000 <ALLOWANCE-CLOSE> 20,126,000 <ALLOWANCE-DOMESTIC> 8,460,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 11,666,000