<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED CONDENSED BALANCE SHEET AND STATEMENT OF INCOME FOR
THE YEAR ENDED DECEMBER 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                      26,012,000
<INT-BEARING-DEPOSITS>                       9,000,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                141,548,000
<INVESTMENTS-CARRYING>                      84,984,000
<INVESTMENTS-MARKET>                        83,958,000
<LOANS>                                    756,768,000
<ALLOWANCE>                                  2,916,000
<TOTAL-ASSETS>                           1,080,383,000
<DEPOSITS>                                 671,918,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                         10,765,000
<LONG-TERM>                                312,413,000
<COMMON>                                     4,053,000
<PREFERRED-MANDATORY>                       22,693,000
<PREFERRED>                                          0
<OTHER-SE>                                  58,541,000
<TOTAL-LIABILITIES-AND-EQUITY>           1,080,383,000
<INTEREST-LOAN>                             56,274,000
<INTEREST-INVEST>                           17,285,000
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            73,559,000
<INTEREST-DEPOSIT>                          29,143,000
<INTEREST-EXPENSE>                          48,048,000
<INTEREST-INCOME-NET>                       25,511,000
<LOAN-LOSSES>                                  360,000
<SECURITIES-GAINS>                             397,000
<EXPENSE-OTHER>                             27,346,000
<INCOME-PRETAX>                             15,734,000
<INCOME-PRE-EXTRAORDINARY>                   9,850,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 9,850,000
<EPS-PRIMARY>                                     2.28
<EPS-DILUTED>                                     1.78
<YIELD-ACTUAL>                                    2.53
<LOANS-NON>                                  3,590,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               340,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,994,000
<CHARGE-OFFS>                                  454,000
<RECOVERIES>                                    16,000
<ALLOWANCE-CLOSE>                            2,916,000
<ALLOWANCE-DOMESTIC>                         2,916,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>