<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                                           <C>               <C>
<PERIOD-TYPE>                                 12-MOS           12-MOS
<FISCAL-YEAR-END>                             DEC-31-1995       DEC-31-1996
<PERIOD-END>                                  DEC-31-1995       DEC-31-1996
<CASH>                                         24,891              48,126
<INT-BEARING-DEPOSITS>                          1,287                 693
<FED-FUNDS-SOLD>                               10,326              14,910
<TRADING-ASSETS>                                    0                   0
<INVESTMENTS-HELD-FOR-SALE>                    75,896             116,528
<INVESTMENTS-CARRYING>                          8,596               9,680
<INVESTMENTS-MARKET>                            8,662               9,741
<LOANS>                                       215,220             388,728
<ALLOWANCE>                                     2,397               3,672
<TOTAL-ASSETS>                                353,579             619,439
<DEPOSITS>                                    307,819             547,182
<SHORT-TERM>                                        0                   0
<LIABILITIES-OTHER>                             2,784               8,611
<LONG-TERM>                                         0                   0
<COMMON>                                       31,325              49,388
<PREFERRED-MANDATORY>                               0                   0
<PREFERRED>                                         0                   0
<OTHER-SE>                                     11,741              14,258
<TOTAL-LIABILITIES-AND-EQUITY>                353,579             619,439
<INTEREST-LOAN>                                20,461              33,845
<INTEREST-INVEST>                               5,305              10,113
<INTEREST-OTHER>                                   79                   0
<INTEREST-TOTAL>                               25,845              43,958
<INTEREST-DEPOSIT>                              7,029              13,292
<INTEREST-EXPENSE>                              7,029              13,319
<INTEREST-INCOME-NET>                          18,816              30,639
<LOAN-LOSSES>                                     135                 685
<SECURITIES-GAINS>                               (73)                (46)
<EXPENSE-OTHER>                                10,394              22,727
<INCOME-PRETAX>                                 8,214              10,387
<INCOME-PRE-EXTRAORDINARY>                      8,214              10,387
<EXTRAORDINARY>                                     0                   0
<CHANGES>                                           0                   0
<NET-INCOME>                                    5,034               6,039
<EPS-PRIMARY>                                       2                   0
<EPS-DILUTED>                                       2                   0
<YIELD-ACTUAL>                                      9                   0
<LOANS-NON>                                       993               1,564
<LOANS-PAST>                                      141                  17
<LOANS-TROUBLED>                                    0                 279
<LOANS-PROBLEM>                                     0                   0
<ALLOWANCE-OPEN>                                2,438               3,710
<CHARGE-OFFS>                                     321               1,070
<RECOVERIES>                                      145                 347
<ALLOWANCE-CLOSE>                               2,397               3,672
<ALLOWANCE-DOMESTIC>                            2,397               3,672
<ALLOWANCE-FOREIGN>                                 0                   0
<ALLOWANCE-UNALLOCATED>                             0                   0



</TABLE>