<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 10,430 <INT-BEARING-DEPOSITS> 655,889 <FED-FUNDS-SOLD> 39,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 38,564 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 688,372 <ALLOWANCE> 15,175 <TOTAL-ASSETS> 827,784 <DEPOSITS> 659,590 <SHORT-TERM> 112,222 <LIABILITIES-OTHER> 12,530 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 11,592 <COMMON> 26 <OTHER-SE> 31,824 <TOTAL-LIABILITIES-AND-EQUITY> 827,784 <INTEREST-LOAN> 43,158 <INTEREST-INVEST> 4,107 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 47,265 <INTEREST-DEPOSIT> 26,304 <INTEREST-EXPENSE> 29,030 <INTEREST-INCOME-NET> 18,235 <LOAN-LOSSES> 6,489 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 15,594 <INCOME-PRETAX> 8 <INCOME-PRE-EXTRAORDINARY> 8 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,376 <EPS-PRIMARY> 1.75 <EPS-DILUTED> .8 <YIELD-ACTUAL> 8.34 <LOANS-NON> 25,223 <LOANS-PAST> 0 <LOANS-TROUBLED> 38,661 <LOANS-PROBLEM> 56,900 <ALLOWANCE-OPEN> 15,192 <CHARGE-OFFS> 6,251 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 15,175 <ALLOWANCE-DOMESTIC> 15,175 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0