<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1994             DEC-31-1995             DEC-31-1996
<PERIOD-END>                               DEC-31-1994             DEC-31-1995             DEC-31-1996
<CASH>                                               0                  44,393                  50,404
<INT-BEARING-DEPOSITS>                               0                  13,475                     197
<FED-FUNDS-SOLD>                                     0                   2,500                       0
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                 201,246                 245,324
<INVESTMENTS-CARRYING>                               0                  97,093                  32,670
<INVESTMENTS-MARKET>                                 0                  98,142                  32,831
<LOANS>                                              0                 927,430               1,118,164
<ALLOWANCE>                                          0                  15,449                  15,740
<TOTAL-ASSETS>                                       0               1,344,880               1,547,092
<DEPOSITS>                                           0               1,056,824               1,157,207
<SHORT-TERM>                                         0                 146,626                 242,031
<LIABILITIES-OTHER>                                  0                  14,198                  14,477
<LONG-TERM>                                          0                     201                     424
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                             0                   8,052                   8,672
<OTHER-SE>                                           0                 118,980                 124,281
<TOTAL-LIABILITIES-AND-EQUITY>                       0               1,344,880               1,547,092
<INTEREST-LOAN>                                 62,546                  76,747                  88,416
<INTEREST-INVEST>                               17,721                  18,058                  19,060
<INTEREST-OTHER>                                 1,370                   1,584                     949
<INTEREST-TOTAL>                                81,637                  96,389                 108,425
<INTEREST-DEPOSIT>                              28,122                  37,279                  40,740
<INTEREST-EXPENSE>                              33,639                  44,363                  51,566
<INTEREST-INCOME-NET>                           47,998                  52,026                  56,589
<LOAN-LOSSES>                                    2,697                   3,037                   2,935
<SECURITIES-GAINS>                                (73)                   1,296                     711
<EXPENSE-OTHER>                                 44,864                  46,202                  51,370
<INCOME-PRETAX>                                 11,516                  17,098                  19,381
<INCOME-PRE-EXTRAORDINARY>                       6,976                  11,249                  12,641
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     6,976                  11,249                  12,641
<EPS-PRIMARY>                                      .58                     .89                     .99
<EPS-DILUTED>                                        0                       0                       0
<YIELD-ACTUAL>                                    4.27                    4.36                    4.24
<LOANS-NON>                                     10,577                   8,299                   9,840
<LOANS-PAST>                                       569                     235                       0
<LOANS-TROUBLED>                                 2,804                   1,360                   1,895
<LOANS-PROBLEM>                                    661                   4,852                   2,205
<ALLOWANCE-OPEN>                                16,168                  14,401                  15,449
<CHARGE-OFFS>                                    5,467                   2,934                   3,301
<RECOVERIES>                                     1,003                     945                     657
<ALLOWANCE-CLOSE>                               14,401                  15,449                  15,740
<ALLOWANCE-DOMESTIC>                            14,401                  15,449                  15,740
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                          7,387                   6,026                   5,213


</TABLE>