<TABLE> <S> <C>

<ARTICLE>                       9
<MULTIPLIER>                    1,000
       
<S>                                                  <C>       
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                                              DEC-31-1996
<PERIOD-END>                                                   SEP-30-1996
<CASH>                                                              114,570
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                     14,138
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                           1,483
<INVESTMENTS-CARRYING>                                              322,830
<INVESTMENTS-MARKET>                                                325,374
<LOANS>                                                           1,113,813
<ALLOWANCE>                                                          27,452
<TOTAL-ASSETS>                                                    1,662,172
<DEPOSITS>                                                        1,357,442
<SHORT-TERM>                                                        121,876
<LIABILITIES-OTHER>                                                  21,145
<LONG-TERM>                                                          29,005
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                             12,075
<OTHER-SE>                                                          120,629
<TOTAL-LIABILITIES-AND-EQUITY>                                    1,662,172
<INTEREST-LOAN>                                                      79,970
<INTEREST-INVEST>                                                    16,084
<INTEREST-OTHER>                                                      3,412
<INTEREST-TOTAL>                                                     99,466
<INTEREST-DEPOSIT>                                                   35,272
<INTEREST-EXPENSE>                                                   42,132
<INTEREST-INCOME-NET>                                                57,334
<LOAN-LOSSES>                                                        15,901
<SECURITIES-GAINS>                                                       37
<EXPENSE-OTHER>                                                      51,276
<INCOME-PRETAX>                                                      15,099
<INCOME-PRE-EXTRAORDINARY>                                            9,693
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          9,693
<EPS-PRIMARY>                                                          4.20
<EPS-DILUTED>                                                          3.80
<YIELD-ACTUAL>                                                         0.00
<LOANS-NON>                                                           4,331
<LOANS-PAST>                                                          4,548
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                     25,892
<CHARGE-OFFS>                                                        16,151
<RECOVERIES>                                                          1,810
<ALLOWANCE-CLOSE>                                                    27,452
<ALLOWANCE-DOMESTIC>                                                 27,452
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0
        

</TABLE>