<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   12-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             OCT-01-1996             JAN-01-1996
<PERIOD-END>                               DEC-31-1996             DEC-31-1996
<CASH>                                          86,322                  86,322
<INT-BEARING-DEPOSITS>                          26,037                  26,037
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                 2,005                   2,005
<INVESTMENTS-HELD-FOR-SALE>                    213,889                 213,889
<INVESTMENTS-CARRYING>                          29,465                  29,465
<INVESTMENTS-MARKET>                            29,861                  29,861
<LOANS>                                      1,124,775               1,124,775
<ALLOWANCE>                                     11,290                  11,290
<TOTAL-ASSETS>                               1,574,204               1,574,204
<DEPOSITS>                                   1,281,050               1,281,050
<SHORT-TERM>                                   145,189                 145,189
<LIABILITIES-OTHER>                             16,542                  16,542
<LONG-TERM>                                     26,442                  26,442
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                        943                     943
<COMMON>                                         9,355                   9,355
<OTHER-SE>                                      94,683                  94,683
<TOTAL-LIABILITIES-AND-EQUITY>               1,574,204               1,574,204
<INTEREST-LOAN>                                 26,352                 103,163
<INTEREST-INVEST>                                3,230                  12,181
<INTEREST-OTHER>                                   650                   1,528
<INTEREST-TOTAL>                                30,232                 116,872
<INTEREST-DEPOSIT>                              13,035                  48,649
<INTEREST-EXPENSE>                              15,237                  59,802
<INTEREST-INCOME-NET>                           14,995                  57,070
<LOAN-LOSSES>                                    2,092                  10,263
<SECURITIES-GAINS>                                 216                     386
<EXPENSE-OTHER>                                 12,527                  51,675
<INCOME-PRETAX>                                  5,142                  16,473
<INCOME-PRE-EXTRAORDINARY>                       3,239                  10,474
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,239                  10,474
<EPS-PRIMARY>                                      .28                     .96
<EPS-DILUTED>                                      .28                     .92
<YIELD-ACTUAL>                                    9.53                    9.49
<LOANS-NON>                                        960                     960
<LOANS-PAST>                                     2,371                   2,371
<LOANS-TROUBLED>                                 1,909                   1,909
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                10,541                   8,661
<CHARGE-OFFS>                                    1,843                   9,460
<RECOVERIES>                                     (169)                     565
<ALLOWANCE-CLOSE>                               11,290                  11,290
<ALLOWANCE-DOMESTIC>                            11,290                  11,290
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0