<TABLE> <S> <C>

<ARTICLE>           9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  BALANCE SHEETS AND CONSOLIDATED  STATEMENTS OF OPERATIONS FOUND IN
THE  COMPANY'S  FORM 10K FOR THE  YEARS  1996 AND 1995 AND IS  QUALIFIED  IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                             <C>
<PERIOD-TYPE>                          YEAR                            YEAR
<FISCAL-YEAR-END>               DEC-31-1996                     DEC-31-1995
<PERIOD-START>                  JAN-01-1996                     JAN-01-1995
<PERIOD-END>                    DEC-31-1996                     DEC-31-1995
<CASH>                               20,261                           24,312
<INT-BEARING-DEPOSITS>                  315                             417
<FED-FUNDS-SOLD>                     25,212                            9,969
<TRADING-ASSETS>                          0                               0
<INVESTMENTS-HELD-FOR-SALE>          33,852                           37,436
<INVESTMENTS-CARRYING>               18,781                            6,528
<INVESTMENTS-MARKET>                 19,097                            6,528
<LOANS>                             376,901<F1>                      368,224<F3>
<ALLOWANCE>                           7,040                            5,037
<TOTAL-ASSETS>                      499,466                          557,910
<DEPOSITS>                          436,450                          458,393
<SHORT-TERM>                         10,307                           47,871
<LIABILITIES-OTHER>                  10,977                            8,061
<LONG-TERM>                          12,000                           12,000
<PREFERRED-MANDATORY>                     0                                0
<PREFERRED>                           5,750                            5,750
<COMMON>                             19,281                           18,728
<OTHER-SE>                            4,701<F2>                          140
<TOTAL-LIABILITIES-AND-EQUITY>      499,466                          557,910
<INTEREST-LOAN>                      41,469                           42,469
<INTEREST-INVEST>                     3,120                            3,187
<INTEREST-OTHER>                      1,195                            1,718
<INTEREST-TOTAL>                     45,784                           47,374
<INTEREST-DEPOSIT>                   19,927                           22,730
<INTEREST-EXPENSE>                   22,643                           27,671
<INTEREST-INCOME-NET>                23,141                           19,703
<LOAN-LOSSES>                         6,262                            1,590
<SECURITIES-GAINS>                      (3)                              386
<EXPENSE-OTHER>                      38,946                           29,016
<INCOME-PRETAX>                     (2,497)                            5,672
<INCOME-PRE-EXTRAORDINARY>          (2,497)                            3,313
<EXTRAORDINARY>                           0                                0
<CHANGES>                                 0                                0
<NET-INCOME>                        (1,486)                            3,313
<EPS-PRIMARY>                         (.71)                             1.11
<EPS-DILUTED>                         (.71)                             1.04
<YIELD-ACTUAL>                         9.18                             3.63
<LOANS-NON>                           8,246                            4,201
<LOANS-PAST>                          1,536                               92
<LOANS-TROUBLED>                        599                              651
<LOANS-PROBLEM>                       4,600                            2,700
<ALLOWANCE-OPEN>                      5,037                            5,787
<CHARGE-OFFS>                         4,564                            2,450
<RECOVERIES>                            305                              110
<ALLOWANCE-CLOSE>                     7,040                            5,037
<ALLOWANCE-DOMESTIC>                  6,391                            4,996
<ALLOWANCE-FOREIGN>                       0                                0
<ALLOWANCE-UNALLOCATED>                 649                               41
<FN>
<F1>INCLUDES MORTGAGE LOANS HELD FOR SALE OF 29,487
<F2>INCLUDES UNREALIZED LOSS ON SECURITIES AFS OF 331
<F3>EXCLUDES MORTGAGE LOANS HELD FOR SALE
</FN>
        

</TABLE>