<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1000

<S>                                                <C>
<PERIOD-TYPE>                                      9-mos
<FISCAL-YEAR-END>                                  Dec-31-1996
<PERIOD-END>                                       Sep-30-1996
<CASH>                                                       45508
<INT-BEARING-DEPOSITS>                                        1106
<FED-FUNDS-SOLD>                                             35125
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 172944
<INVESTMENTS-CARRYING>                                        1046
<INVESTMENTS-MARKET>                                          1056
<LOANS>                                                     799398
<ALLOWANCE>                                                  12032
<TOTAL-ASSETS>                                             1090047
<DEPOSITS>                                                  798458
<SHORT-TERM>                                                 78750
<LIABILITIES-OTHER>                                          15363
<LONG-TERM>                                                  32000
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4711
<OTHER-SE>                                                   86178
<TOTAL-LIABILITIES-AND-EQUITY>                             1090047
<INTEREST-LOAN>                                              53936
<INTEREST-INVEST>                                             7747
<INTEREST-OTHER>                                              1667
<INTEREST-TOTAL>                                             63350
<INTEREST-DEPOSIT>                                           23010
<INTEREST-EXPENSE>                                           29020
<INTEREST-INCOME-NET>                                        34330
<LOAN-LOSSES>                                                 2520
<SECURITIES-GAINS>                                             149
<EXPENSE-OTHER>                                              25732
<INCOME-PRETAX>                                              11456
<INCOME-PRE-EXTRAORDINARY>                                    7376
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  7376
<EPS-PRIMARY>                                                 1.51
<EPS-DILUTED>                                                 1.43
<YIELD-ACTUAL>                                                4.59
<LOANS-NON>                                                  11268
<LOANS-PAST>                                                  3833
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             14991
<CHARGE-OFFS>                                                 6426
<RECOVERIES>                                                   947
<ALLOWANCE-CLOSE>                                            12032
<ALLOWANCE-DOMESTIC>                                         12032
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0



</TABLE>