<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 7,656 <INT-BEARING-DEPOSITS> 770,913 <FED-FUNDS-SOLD> 10,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 767,096 <ALLOWANCE> 13,253 <TOTAL-ASSETS> 891,163 <DEPOSITS> 776,277 <SHORT-TERM> 40,000 <LIABILITIES-OTHER> 7,461 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 11,592 <COMMON> 43,273 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 891,163 <INTEREST-LOAN> 50,400 <INTEREST-INVEST> 4,657 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 55,137 <INTEREST-DEPOSIT> 28,467 <INTEREST-EXPENSE> 32,257 <INTEREST-INCOME-NET> 22,880 <LOAN-LOSSES> 3,739 <SECURITIES-GAINS> (11) <EXPENSE-OTHER> 15,873 <INCOME-PRETAX> 6,391 <INCOME-PRE-EXTRAORDINARY> 6,391 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,993 <EPS-PRIMARY> 2.19 <EPS-DILUTED> 1.05 <YIELD-ACTUAL> 8.88 <LOANS-NON> 12,248 <LOANS-PAST> 0 <LOANS-TROUBLED> 45,018 <LOANS-PROBLEM> 56,939 <ALLOWANCE-OPEN> 12,381 <CHARGE-OFFS> 628 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 13,253 <ALLOWANCE-DOMESTIC> 13,253 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0