<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                      32,650,493
<INT-BEARING-DEPOSITS>                         774,469
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                114,664,803
<INVESTMENTS-CARRYING>                      79,373,683
<INVESTMENTS-MARKET>                        78,959,000
<LOANS>                                    572,493,488
<ALLOWANCE>                                  8,626,416
<TOTAL-ASSETS>                             837,300,787
<DEPOSITS>                                 709,760,444
<SHORT-TERM>                                43,441,386
<LIABILITIES-OTHER>                          4,044,585
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    56,824,385
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>             837,300,787
<INTEREST-LOAN>                             13,260,133
<INTEREST-INVEST>                            2,624,155
<INTEREST-OTHER>                                35,103
<INTEREST-TOTAL>                            15,919,391
<INTEREST-DEPOSIT>                           6,563,307
<INTEREST-EXPENSE>                             418,967
<INTEREST-INCOME-NET>                        8,937,117
<LOAN-LOSSES>                                  310,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              6,809,804
<INCOME-PRETAX>                              3,793,966
<INCOME-PRE-EXTRAORDINARY>                   3,793,966
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,383,966
<EPS-PRIMARY>                                     0.24
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    4.88
<LOANS-NON>                                  1,119,000
<LOANS-PAST>                                 1,250,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             8,402,149
<CHARGE-OFFS>                                  116,945
<RECOVERIES>                                   129,393
<ALLOWANCE-CLOSE>                            8,626,416
<ALLOWANCE-DOMESTIC>                         8,626,416
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0