<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 52589 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 201177 <INVESTMENTS-CARRYING> 394379 <INVESTMENTS-MARKET> 397671 <LOANS> 626693 <ALLOWANCE> 7805 <TOTAL-ASSETS> 1337422 <DEPOSITS> 1038227 <SHORT-TERM> 40850 <LIABILITIES-OTHER> 12480 <LONG-TERM> 140000 <PREFERRED-MANDATORY> 0 <PREFERRED> 4500 <COMMON> 4657 <OTHER-SE> 96708 <TOTAL-LIABILITIES-AND-EQUITY> 1337422 <INTEREST-LOAN> 41711 <INTEREST-INVEST> 29664 <INTEREST-OTHER> 335 <INTEREST-TOTAL> 71710 <INTEREST-DEPOSIT> 27145 <INTEREST-EXPENSE> 30677 <INTEREST-INCOME-NET> 41033 <LOAN-LOSSES> 1827 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 27970 <INCOME-PRETAX> 17630 <INCOME-PRE-EXTRAORDINARY> 17630 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10455 <EPS-PRIMARY> 2.72 <EPS-DILUTED> 2.72 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0