<TABLE> <S> <C>


<ARTICLE>                     9


<CAPTION>

<MULTIPLIER>                   1,000
<S>                            <C>          <C>          <C>           <C>           <C>
<PERIOD-TYPE>                       12-mos       12-mos        3-mos         6-mos         9-mos
<FISCAL-YEAR-END>              Dec-31-1995  Dec-31-1996  Dec-31-1996   Dec-31-1996   Dec-31-1996
<PERIOD-START>                 Jan-01-1995  Jan-01-1996  Jan-01-1996   Jan-01-1996   Jan-01-1996
<PERIOD-END>                   Dec-31-1995  Dec-31-1996  Mar-31-1996   Jun-30-1996   Sep-30-1996
<CASH>                              17,259       24,729       20,111        18,536        33,056
<INT-BEARING-DEPOSITS>                  55            0          990            24       312,817
<FED-FUNDS-SOLD>                    13,450       15,125        9,325        12,372         9,998
<TRADING-ASSETS>                         0            0            0             0             0
<INVESTMENTS-HELD-FOR-SALE>              0            0            0             0             0
<INVESTMENTS-CARRYING>             106,368      118,470       94,608       104,315       114,362
<INVESTMENTS-MARKET>               106,507      118,523       93,491       104,943       114,488
<LOANS>                            264,833      336,204      262,386       260,668       330,036
<ALLOWANCE>                          5,875        6,660        6,026         5,699         6,926
<TOTAL-ASSETS>                     418,868      516,754      407,473       417,266       509,229
<DEPOSITS>                         377,403      457,004      363,908       366,085       450,184
<SHORT-TERM>                           617        2,278        1,534         8,390         4,589
<LIABILITIES-OTHER>                  3,700        4,301        3,360         2,497         3,091
<LONG-TERM>                              0        3,951        1,000         1,988         3,970
<PREFERRED-MANDATORY>                    0            0            0             0             0
<PREFERRED>                              0            0            0             0             0
<COMMON>                               384          462          384           384           459
<OTHER-SE>                          36,764       48,758       37,596        37,922        47,937
<TOTAL-LIABILITIES-AND-EQUITY>     418,868      516,754      407,473       417,266       509,229
<INTEREST-LOAN>                     17,360       27,715        6,478        12,671        20,058
<INTEREST-INVEST>                    4,034        6,830        1,522         3,037         4,931
<INTEREST-OTHER>                       713          506          123           278           402
<INTEREST-TOTAL>                    22,107       35,051        8,123        15,986        25,391
<INTEREST-DEPOSIT>                   7,663       12,245        2,910         5,693         8,965
<INTEREST-EXPENSE>                   7,712       12,507        2,927         5,779         9,139
<INTEREST-INCOME-NET>               14,395       22,544        5,196        10,207        16,252
<LOAN-LOSSES>                        1,200        2,209          607         1,139         1,615
<SECURITIES-GAINS>                      26            7           (1)           (5)          (29)
<EXPENSE-OTHER>                     11,872       15,964        3,625         7,332        11,629
<INCOME-PRETAX>                      3,666        7,787        1,625         3,384         5,532
<INCOME-PRE-EXTRAORDINARY>           3,666        7,787        1,625         3,384         5,532
<EXTRAORDINARY>                          0            0            0             0             0
<CHANGES>                                0            0            0             0             0
<NET-INCOME>                         3,690        5,488        1,171         2,420         3,966
<EPS-PRIMARY>                         1.19         1.19         0.25          0.52          0.86
<EPS-DILUTED>                         1.18         1.19         0.25          0.52          0.86
<YIELD-ACTUAL>                        5.39         5.40         5.46          5.34          5.35
<LOANS-NON>                          5,769        6,441        5,566         4,979         6,917
<LOANS-PAST>                           273          395          273           160           453
<LOANS-TROUBLED>                         0          699            0             0             0
<LOANS-PROBLEM>                     15,111       17,794       19,258        10,450        21,426
<ALLOWANCE-OPEN>                     4,137        5,875        5,875         5,875         5,952
<CHARGE-OFFS>                        1,846        3,920          513         1,414         2,916
<RECOVERIES>                           423          486           57            99           265
<ALLOWANCE-CLOSE>                    5,875        6,660        6,026         5,699         6,926
<ALLOWANCE-DOMESTIC>                 5,875        6,660        6,026         5,699         6,926
<ALLOWANCE-FOREIGN>                      0            0            0             0             0
<ALLOWANCE-UNALLOCATED>                  0            0            0             0             0



</TABLE>