<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1000

<S>                                                <C>
<PERIOD-TYPE>                                      3-mos
<FISCAL-YEAR-END>                                  Dec-31-1996
<PERIOD-END>                                       Mar-31-1996
<CASH>                                                       35572
<INT-BEARING-DEPOSITS>                                         400
<FED-FUNDS-SOLD>                                             71375
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 173296
<INVESTMENTS-CARRYING>                                        3887
<INVESTMENTS-MARKET>                                          3896
<LOANS>                                                     784960
<ALLOWANCE>                                                  14820
<TOTAL-ASSETS>                                             1101359
<DEPOSITS>                                                  850118
<SHORT-TERM>                                                 62000
<LIABILITIES-OTHER>                                          13600
<LONG-TERM>                                                  32000
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4676
<OTHER-SE>                                                   82066
<TOTAL-LIABILITIES-AND-EQUITY>                                   0
<INTEREST-LOAN>                                              17770
<INTEREST-INVEST>                                             2424
<INTEREST-OTHER>                                               570
<INTEREST-TOTAL>                                             20764
<INTEREST-DEPOSIT>                                            7792
<INTEREST-EXPENSE>                                            9296
<INTEREST-INCOME-NET>                                        11468
<LOAN-LOSSES>                                                  759
<SECURITIES-GAINS>                                               0
<EXPENSE-OTHER>                                               8435
<INCOME-PRETAX>                                               3909
<INCOME-PRE-EXTRAORDINARY>                                    2520
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  2520
<EPS-PRIMARY>                                                 0.53
<EPS-DILUTED>                                                 0.50
<YIELD-ACTUAL>                                                4.68
<LOANS-NON>                                                  14077
<LOANS-PAST>                                                  5785
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             14991
<CHARGE-OFFS>                                                 1013
<RECOVERIES>                                                   930
<ALLOWANCE-CLOSE>                                            14820
<ALLOWANCE-DOMESTIC>                                         14820
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>