<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's consolidated condensed balance sheet and statement of income for
the three months ended September 30, 1996 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1996
<CASH>                                      24,813,000
<INT-BEARING-DEPOSITS>                       1,990,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                     230,226,000
<INVESTMENTS-MARKET>                       228,254,000
<LOANS>                                    808,002,000
<ALLOWANCE>                                  2,840,000
<TOTAL-ASSETS>                           1,110,723,000
<DEPOSITS>                                 638,393,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                         17,322,000
<LONG-TERM>                                372,624,000
<PREFERRED-MANDATORY>                       22,779,000
<PREFERRED>                                          0
<COMMON>                                     4,053,000
<OTHER-SE>                                  55,552,000
<TOTAL-LIABILITIES-AND-EQUITY>           1,110,723,000
<INTEREST-LOAN>                             15,076,000
<INTEREST-INVEST>                            3,805,000
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            18,881,000
<INTEREST-DEPOSIT>                           7,412,000
<INTEREST-EXPENSE>                          12,382,000
<INTEREST-INCOME-NET>                        6,499,000
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                               4,000
<EXPENSE-OTHER>                             10,002,000
<INCOME-PRETAX>                              1,289,000
<INCOME-PRE-EXTRAORDINARY>                     782,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   782,000
<EPS-PRIMARY>                                      .10
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    7.53
<LOANS-NON>                                  1,253,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               340,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,028,000
<CHARGE-OFFS>                                  460,000
<RECOVERIES>                                     2,000
<ALLOWANCE-CLOSE>                            2,840,000
<ALLOWANCE-DOMESTIC>                           284,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0