<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) FORM
10-K FOR THE 12-MONTH PERIOD ENDED DECEMBER 31, 1996.  AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH (B) FORM 10-K
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                      24,644,254
<INT-BEARING-DEPOSITS>                       2,456,901
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                135,904,604
<INVESTMENTS-CARRYING>                     166,657,933
<INVESTMENTS-MARKET>                                 0
<LOANS>                                  1,159,187,229
<ALLOWANCE>                                  7,888,323
<TOTAL-ASSETS>                           1,515,413,469
<DEPOSITS>                               1,024,092,887
<SHORT-TERM>                               347,109,000
<LIABILITIES-OTHER>                         12,313,241
<LONG-TERM>                                 36,483,983
<PREFERRED-MANDATORY>                       36,244,047
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  59,170,311
<TOTAL-LIABILITIES-AND-EQUITY>           1,515,413,469
<INTEREST-LOAN>                             83,786,180
<INTEREST-INVEST>                           20,190,817
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                           103,976,997
<INTEREST-DEPOSIT>                          46,490,086
<INTEREST-EXPENSE>                          63,683,663
<INTEREST-INCOME-NET>                       40,293,334
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                           (311,151)
<EXPENSE-OTHER>                             44,244,727
<INCOME-PRETAX>                             15,879,779
<INCOME-PRE-EXTRAORDINARY>                  10,073,917
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                10,073,917<F1>
<EPS-PRIMARY>                                     1.51
<EPS-DILUTED>                                     1.50
<YIELD-ACTUAL>                                    7.79
<LOANS-NON>                                  1,976,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                             11,000,000
<ALLOWANCE-OPEN>                             8,186,077
<CHARGE-OFFS>                                  336,989
<RECOVERIES>                                    39,235
<ALLOWANCE-CLOSE>                            7,888,323
<ALLOWANCE-DOMESTIC>                         7,888,323
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>
AS MORE FULLY EXPLAINED IN THE CORPORATION'S FORM 10-K, NET INCOME INCLUDES THE
EFFECTS OF A $3.6 MILLION AFTER-TAX CHARGE ($0.54) FROM THE FDICK TO
RECAPITALIZE THE SAIF.
</FN>
        

</TABLE>