<TABLE> <S> <C>

<ARTICLE>           9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  BALANCE SHEETS AND CONSOLIDATED  STATEMENTS OF OPERATIONS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S  FORM 10-Q FOR THE  YEAR-TO-DATE  OF EACH PERIOD,
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                                        <C>                   <C>                       <C>
<PERIOD-TYPE>                                    3-MOS                 6-MOS                     9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996           DEC-31-1996               DEC-31-1996
<PERIOD-START>                             JAN-01-1996           JAN-01-1996               JAN-01-1996
<PERIOD-END>                               MAR-31-1996           JUN-30-1996               SEP-30-1996
<CASH>                                          26,147                20,495                    18,606
<INT-BEARING-DEPOSITS>                             321                   314                       312
<FED-FUNDS-SOLD>                                13,977                 6,151                    12,311
<TRADING-ASSETS>                                     0                     0                         0
<INVESTMENTS-HELD-FOR-SALE>                     39,246                42,067                    25,733
<INVESTMENTS-CARRYING>                           6,795                 5,935                    22,637
<INVESTMENTS-MARKET>                             6,795                 5,935                    22,929
<LOANS>                                        335,632<F1>           338,137<F3>               350,399<F5>
<ALLOWANCE>                                      6,380                 7,034                     6,985
<TOTAL-ASSETS>                                 560,843               520,993                   534,507
<DEPOSITS>                                     474,692               443,020                   446,380
<SHORT-TERM>                                    31,129                23,238                    31,628
<LIABILITIES-OTHER>                             10,918                10,729                    13,191
<LONG-TERM>                                     12,000                12,000                    12,000
<PREFERRED-MANDATORY>                                0                     0                         0
<PREFERRED>                                      5,750                 5,750                     5,750
<COMMON>                                        18,794                19,193                    19,262
<OTHER-SE>                                       7,560<F2>             7,063<F4>                 6,296<F6>
<TOTAL-LIABILITIES-AND-EQUITY>                 560,843               520,993                   534,507
<INTEREST-LOAN>                                 10,398                21,243                    31,652
<INTEREST-INVEST>                                  718                 1,465                     2,270
<INTEREST-OTHER>                                   377                   624                       873
<INTEREST-TOTAL>                                11,493                23,332                    34,795
<INTEREST-DEPOSIT>                               5,343                10,363                    15,204
<INTEREST-EXPENSE>                               5,994                11,751                    17,316
<INTEREST-INCOME-NET>                            5,499                11,581                    17,479
<LOAN-LOSSES>                                    1,515                 2,830                     3,375
<SECURITIES-GAINS>                                  17                   (8)                       (8)
<EXPENSE-OTHER>                                  8,091                17,158                    27,839
<INCOME-PRETAX>                                  1,478                 1,589                       190
<INCOME-PRE-EXTRAORDINARY>                       1,478                 1,589                       190
<EXTRAORDINARY>                                      0                     0                         0
<CHANGES>                                            0                     0                         0
<NET-INCOME>                                       886                   924                       190
<EPS-PRIMARY>                                      .29                   .26                      (.08)
<EPS-DILUTED>                                      .28                   .25                      (.08)
<YIELD-ACTUAL>                                    4.32                  4.58                      4.73
<LOANS-NON>                                      6,563                 7,074                     8,917
<LOANS-PAST>                                        56                   121                       130
<LOANS-TROUBLED>                                   598                   256                       757
<LOANS-PROBLEM>                                  2,288                 2,834                     4,694
<ALLOWANCE-OPEN>                                 5,037                 5,037                     5,037
<CHARGE-OFFS>                                      199                   902                     1,532
<RECOVERIES>                                        27                    69                       105
<ALLOWANCE-CLOSE>                                6,380                 7,034                     6,985
<ALLOWANCE-DOMESTIC>                             5,961                 6,383                     6,271
<ALLOWANCE-FOREIGN>                                  0                     0                         0
<ALLOWANCE-UNALLOCATED>                            419                   651                       714
<FN>
<F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE OF 110,978
<F2>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF 181
<F3>17 EXCLUDES MORTGAGE  LOANS  HELD  FOR  SALE  OF  79,766  
<F4>27 INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE 
OF 604
<F5>EXCLUDES MORTGAGE  LOANS  HELD  FOR  SALE  OF  81,105  
<F6>INCLUDES  UNREALIZED  LOSS  ON INVESTMENT   SECURITIES  AVAILABLE  FOR  
SALE  OF  454
</FN>
        

</TABLE>