<TABLE> <S> <C>


<ARTICLE>                                      9                     
<MULTIPLIER>                                   1,000               
       
<S>                            <C>            <C>
<PERIOD-TYPE>                   3-mos             9-mos
<FISCAL-YEAR-END>              Dec-31-1996      Dec-31-1996          
<PERIOD-START>                 Jul-01-1996      Jan-01-1996
<PERIOD-END>                   Sep-30-1996      Sep-30-1996
<CASH>                            75,506             75,506
<INT-BEARING-DEPOSITS>                98                 98  
<FED-FUNDS-SOLD>                       0                  0
<TRADING-ASSETS>                       0                  0
<INVESTMENTS-HELD-FOR-SALE>            0                  0
<INVESTMENTS-CARRYING>           288,538            288,538  
<INVESTMENTS-MARKET>             288,538            288,538
<LOANS>                        1,454,317          1,454,317       
<ALLOWANCE>                       17,166             17,166               
<TOTAL-ASSETS>                 1,926,875          1,926,875
<DEPOSITS>                     1,518,983          1,518,983      
<SHORT-TERM>                     117,621            117,621
<LIABILITIES-OTHER>               23,174             23,174
<LONG-TERM>                      141,053            141,053 
<PREFERRED-MANDATORY>                  0                  0
<PREFERRED>                            0                  0
<COMMON>                          21,222             21,222
<OTHER-SE>                       104,822            104,822  
<TOTAL-LIABILITIES-AND-EQUITY> 1,926,875          1,926,875     
<INTEREST-LOAN>                   33,715             96,530
<INTEREST-INVEST>                  4,176             12,346   
<INTEREST-OTHER>                       5                 64
<INTEREST-TOTAL>                  37,896            108,940
<INTEREST-DEPOSIT>                15,148             44,159
<INTEREST-EXPENSE>                18,626             53,851       
<INTEREST-INCOME-NET>             19,270             55,089
<LOAN-LOSSES>                      1,621             11,263       
<SECURITIES-GAINS>                    26                 20
<EXPENSE-OTHER>                   20,472             63,356
<INCOME-PRETAX>                    4,571              2,403
<INCOME-PRE-EXTRAORDINARY>         3,014              1,567
<EXTRAORDINARY>                        0                  0
<CHANGES>                              0                  0
<NET-INCOME>                       3,014              1,567
<EPS-PRIMARY>                        .26                .14
<EPS-DILUTED>                        .26                .14
<YIELD-ACTUAL>                      4.56               4.51
<LOANS-NON>                        6,718              6,718
<LOANS-PAST>                       4,881              4,881
<LOANS-TROUBLED>                       5                  5
<LOANS-PROBLEM>                    6,480              6,480
<ALLOWANCE-OPEN>                  16,344             15,779
<CHARGE-OFFS>                        961             10,480
<RECOVERIES>                         162                604
<ALLOWANCE-CLOSE>                 17,166             17,166
<ALLOWANCE-DOMESTIC>              17,166             17,166
<ALLOWANCE-FOREIGN>                    0                  0
<ALLOWANCE-UNALLOCATED>                0                  0
        



</TABLE>