<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 81,443 <INT-BEARING-DEPOSITS> 99 <FED-FUNDS-SOLD> 24,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 70,242 <INVESTMENTS-CARRYING> 163,002 <INVESTMENTS-MARKET> 162,175 <LOANS> 476,700 <ALLOWANCE> 12,119 <TOTAL-ASSETS> 844,210 <DEPOSITS> 737,360 <SHORT-TERM> 0 <LIABILITIES-OTHER> 18,337 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 75,790 <OTHER-SE> 12,723 <TOTAL-LIABILITIES-AND-EQUITY> 844,210 <INTEREST-LOAN> 47,989 <INTEREST-INVEST> 14,615 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 62,604 <INTEREST-DEPOSIT> 17,562 <INTEREST-EXPENSE> 17,562 <INTEREST-INCOME-NET> 45,042 <LOAN-LOSSES> 4,400 <SECURITIES-GAINS> 114 <EXPENSE-OTHER> 45,951 <INCOME-PRETAX> 2,313 <INCOME-PRE-EXTRAORDINARY> 709 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 709 <EPS-PRIMARY> .06 <EPS-DILUTED> .06 <YIELD-ACTUAL> 6.39 <LOANS-NON> 1,389 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,389 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 10,043 <CHARGE-OFFS> 6,728 <RECOVERIES> 1,552 <ALLOWANCE-CLOSE> 12,119 <ALLOWANCE-DOMESTIC> 12,119 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0