<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <CASH> 55,194 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 35,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 313,853 <INVESTMENTS-CARRYING> 11,684 <INVESTMENTS-MARKET> 12,116 <LOANS> 1,064,022 <ALLOWANCE> 27,212 <TOTAL-ASSETS> 1,511,206 <DEPOSITS> 1,228,864 <SHORT-TERM> 121,386 <LIABILITIES-OTHER> 16,403 <LONG-TERM> 0 <COMMON> 26,819 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 117,734 <TOTAL-LIABILITIES-AND-EQUITY> 1,511,206 <INTEREST-LOAN> 72,726 <INTEREST-INVEST> 16,402 <INTEREST-OTHER> 1,351 <INTEREST-TOTAL> 90,479 <INTEREST-DEPOSIT> 32,874 <INTEREST-EXPENSE> 36,695 <INTEREST-INCOME-NET> 53,784 <LOAN-LOSSES> 3,015 <SECURITIES-GAINS> (852) <EXPENSE-OTHER> 30,837 <INCOME-PRETAX> 29,943 <INCOME-PRE-EXTRAORDINARY> 20,242 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 20,242 <EPS-PRIMARY> 2.84 <EPS-DILUTED> 2.84 <YIELD-ACTUAL> 5.33 <LOANS-NON> 2,011 <LOANS-PAST> 1,314 <LOANS-TROUBLED> 2,110 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 25,073 <CHARGE-OFFS> 2,579 <RECOVERIES> 1,703 <ALLOWANCE-CLOSE> 27,212 <ALLOWANCE-DOMESTIC> 27,212 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0