<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S.DOLLARS <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> SEP-30-1996 <EXCHANGE-RATE> 1 <CASH> 18,153 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,951 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 226,734 <INVESTMENTS-CARRYING> 48,877 <INVESTMENTS-MARKET> 48,280 <LOANS> 709,616 <ALLOWANCE> (6,532) <TOTAL-ASSETS> 1,036,462 <DEPOSITS> 714,489 <SHORT-TERM> 153,631 <LIABILITIES-OTHER> 11,347 <LONG-TERM> 81,418 <COMMON> 40,340 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 35,237 <TOTAL-LIABILITIES-AND-EQUITY> 1,036,462 <INTEREST-LOAN> 23,189 <INTEREST-INVEST> 9,467 <INTEREST-OTHER> 215 <INTEREST-TOTAL> 32,871 <INTEREST-DEPOSIT> 12,682 <INTEREST-EXPENSE> 17,009 <INTEREST-INCOME-NET> 15,862 <LOAN-LOSSES> 926 <SECURITIES-GAINS> 39 <EXPENSE-OTHER> 14,843 <INCOME-PRETAX> 4,679 <INCOME-PRE-EXTRAORDINARY> 3,453 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,453 <EPS-PRIMARY> 1.10 <EPS-DILUTED> 1.10 <YIELD-ACTUAL> 8.04 <LOANS-NON> 1,077 <LOANS-PAST> 704 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,307 <CHARGE-OFFS> (763) <RECOVERIES> 201 <ALLOWANCE-CLOSE> 6,532 <ALLOWANCE-DOMESTIC> 6,532 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0