<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> APR-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 77,907 <INT-BEARING-DEPOSITS> 1,000 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 4,515 <INVESTMENTS-HELD-FOR-SALE> 202,769 <INVESTMENTS-CARRYING> 27,026 <INVESTMENTS-MARKET> 26,939 <LOANS> 1,112,570 <ALLOWANCE> 9,070 <TOTAL-ASSETS> 1,523,012 <DEPOSITS> 1,166,216 <SHORT-TERM> 214,609 <LIABILITIES-OTHER> 17,152 <LONG-TERM> 26,386 <PREFERRED-MANDATORY> 0 <PREFERRED> 983 <COMMON> 9,264 <OTHER-SE> 88,402 <TOTAL-LIABILITIES-AND-EQUITY> 1,523,012 <INTEREST-LOAN> 25,240 <INTEREST-INVEST> 3,043 <INTEREST-OTHER> 247 <INTEREST-TOTAL> 28,530 <INTEREST-DEPOSIT> 11,775 <INTEREST-EXPENSE> 14,617 <INTEREST-INCOME-NET> 13,913 <LOAN-LOSSES> 1,775 <SECURITIES-GAINS> 36 <EXPENSE-OTHER> 11,677 <INCOME-PRETAX> 4,084 <INCOME-PRE-EXTRAORDINARY> 2,672 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,672 <EPS-PRIMARY> 0.28 <EPS-DILUTED> 0.28 <YIELD-ACTUAL> 9.39 <LOANS-NON> 1,642 <LOANS-PAST> 2,455 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,093 <CHARGE-OFFS> 3,048 <RECOVERIES> 658 <ALLOWANCE-CLOSE> 9,070 <ALLOWANCE-DOMESTIC> 9,070 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0