<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1000

<S>                                                <C>
<PERIOD-TYPE>                                      12-mos
<FISCAL-YEAR-END>                                  Dec-31-1996
<PERIOD-END>                                       Dec-31-1996
<CASH>                                                       45343
<INT-BEARING-DEPOSITS>                                        2406
<FED-FUNDS-SOLD>                                             41950
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 174551
<INVESTMENTS-CARRYING>                                         687
<INVESTMENTS-MARKET>                                           701
<LOANS>                                                     829587
<ALLOWANCE>                                                  13734
<TOTAL-ASSETS>                                             1127174
<DEPOSITS>                                                  787139
<SHORT-TERM>                                                127750
<LIABILITIES-OTHER>                                          15240
<LONG-TERM>                                                  32000
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4716
<OTHER-SE>                                                   86565
<TOTAL-LIABILITIES-AND-EQUITY>                             1127174
<INTEREST-LOAN>                                              72547
<INTEREST-INVEST>                                            10333
<INTEREST-OTHER>                                              2324
<INTEREST-TOTAL>                                             85204
<INTEREST-DEPOSIT>                                           29990
<INTEREST-EXPENSE>                                           39079
<INTEREST-INCOME-NET>                                        46125
<LOAN-LOSSES>                                                 5023
<SECURITIES-GAINS>                                             245
<EXPENSE-OTHER>                                              35817
<INCOME-PRETAX>                                              12590
<INCOME-PRE-EXTRAORDINARY>                                    7950
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  7950
<EPS-PRIMARY>                                                 1.63
<EPS-DILUTED>                                                 1.54
<YIELD-ACTUAL>                                                4.59
<LOANS-NON>                                                  11269
<LOANS-PAST>                                                  4478
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             14991
<CHARGE-OFFS>                                                 7341
<RECOVERIES>                                                  1061
<ALLOWANCE-CLOSE>                                            13734
<ALLOWANCE-DOMESTIC>                                         13734
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>