<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED NINE MONTH PERIOD ENDED SEPTEMBER 30, 1996 CONSOLIDATED FINANCIAL
STATEMENTS OF FRANKLIN BANCORPORATION, INC. AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          27,554
<INT-BEARING-DEPOSITS>                             380
<FED-FUNDS-SOLD>                                48,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     90,169
<INVESTMENTS-CARRYING>                          65,107
<INVESTMENTS-MARKET>                            63,068
<LOANS>                                        207,626
<ALLOWANCE>                                      4,014
<TOTAL-ASSETS>                                 445,415
<DEPOSITS>                                     342,019
<SHORT-TERM>                                    70,733
<LIABILITIES-OTHER>                              3,356
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           635
<OTHER-SE>                                      28,673
<TOTAL-LIABILITIES-AND-EQUITY>                 445,415
<INTEREST-LOAN>                                 13,718
<INTEREST-INVEST>                                5,773
<INTEREST-OTHER>                                 1,682
<INTEREST-TOTAL>                                21,173
<INTEREST-DEPOSIT>                               6,235
<INTEREST-EXPENSE>                               1,671
<INTEREST-INCOME-NET>                            7,906
<LOAN-LOSSES>                                       27
<SECURITIES-GAINS>                                  31
<EXPENSE-OTHER>                                  9,279
<INCOME-PRETAX>                                  5,177
<INCOME-PRE-EXTRAORDINARY>                       3,237
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,237
<EPS-PRIMARY>                                     0.49
<EPS-DILUTED>                                     0.49
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                        841
<LOANS-PAST>                                        80
<LOANS-TROUBLED>                                   117
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3443
<CHARGE-OFFS>                                      273
<RECOVERIES>                                       817
<ALLOWANCE-CLOSE>                                 4014
<ALLOWANCE-DOMESTIC>                              4014
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,048
        

</TABLE>