<ARTICLE> 9
<LEGEND>
Values represent the interim year-to-date figures.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                      48,061,719
<INT-BEARING-DEPOSITS>                         700,519
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                116,585,188
<INVESTMENTS-CARRYING>                      75,828,633
<INVESTMENTS-MARKET>                        74,629,518
<LOANS>                                    623,245,407
<ALLOWANCE>                                  9,391,545
<TOTAL-ASSETS>                             903,564,704
<DEPOSITS>                                 781,853,429
<SHORT-TERM>                                34,680,795
<LIABILITIES-OTHER>                          9,265,072
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    56,721,679
<OTHER-SE>                                  21,043,729
<TOTAL-LIABILITIES-AND-EQUITY>             903,564,704
<INTEREST-LOAN>                             42,124,563
<INTEREST-INVEST>                            8,485,185
<INTEREST-OTHER>                               101,152
<INTEREST-TOTAL>                            50,710,900
<INTEREST-DEPOSIT>                          20,987,201
<INTEREST-EXPENSE>                          22,577,215
<INTEREST-INCOME-NET>                       28,133,685
<LOAN-LOSSES>                                1,315,000
<SECURITIES-GAINS>                               6,288
<EXPENSE-OTHER>                             20,740,586
<INCOME-PRETAX>                             12,545,027
<INCOME-PRE-EXTRAORDINARY>                  12,545,027
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 7,900,027
<EPS-PRIMARY>                                     0.79
<EPS-DILUTED>                                     0.79
<YIELD-ACTUAL>                                    4.84
<LOANS-NON>                                  1,427,000
<LOANS-PAST>                                 1,756,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             8,402,149
<CHARGE-OFFS>                                  792,398
<RECOVERIES>                                   564,975
<ALLOWANCE-CLOSE>                            9,391,545
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0