<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S.DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <EXCHANGE-RATE> 1 <CASH> 18,856 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,193 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 237,777 <INVESTMENTS-CARRYING> 46,799 <INVESTMENTS-MARKET> 47,652 <LOANS> 721,655 <ALLOWANCE> (6,599) <TOTAL-ASSETS> 1,056,920 <DEPOSITS> 732,689 <SHORT-TERM> 11,650 <LIABILITIES-OTHER> 9,728 <LONG-TERM> 224,959 <COMMON> 40,340 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 37,554 <TOTAL-LIABILITIES-AND-EQUITY> 1,056,920 <INTEREST-LOAN> 38,518 <INTEREST-INVEST> 14,192 <INTEREST-OTHER> 467 <INTEREST-TOTAL> 53,177 <INTEREST-DEPOSIT> 20,938 <INTEREST-EXPENSE> 28,630 <INTEREST-INCOME-NET> 24,547 <LOAN-LOSSES> 1,257 <SECURITIES-GAINS> 43 <EXPENSE-OTHER> 21,235 <INCOME-PRETAX> 8,313 <INCOME-PRE-EXTRAORDINARY> 5,959 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,959 <EPS-PRIMARY> 1.78 <EPS-DILUTED> 1.78 <YIELD-ACTUAL> 8.07 <LOANS-NON> 991 <LOANS-PAST> 1,567 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,307 <CHARGE-OFFS> (1,099) <RECOVERIES> 273 <ALLOWANCE-CLOSE> 6,599 <ALLOWANCE-DOMESTIC> 6,599 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0