<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS DATED DECEMBER 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY
BE REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          20,489
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                25,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    114,125
<INVESTMENTS-CARRYING>                         136,926
<INVESTMENTS-MARKET>                           137,007
<LOANS>                                        870,035
<ALLOWANCE>                                     12,229
<TOTAL-ASSETS>                               1,204,813
<DEPOSITS>                                     824,311
<SHORT-TERM>                                     2,833
<LIABILITIES-OTHER>                             10,238
<LONG-TERM>                                    271,585
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           515
<OTHER-SE>                                      95,331
<TOTAL-LIABILITIES-AND-EQUITY>               1,204,813
<INTEREST-LOAN>                                 64,569
<INTEREST-INVEST>                               19,254
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                83,823
<INTEREST-DEPOSIT>                              31,692
<INTEREST-EXPENSE>                              48,529
<INTEREST-INCOME-NET>                           35,294
<LOAN-LOSSES>                                    2,555
<SECURITIES-GAINS>                               (265)
<EXPENSE-OTHER>                                 20,888
<INCOME-PRETAX>                                 15,916
<INCOME-PRE-EXTRAORDINARY>                      12,652
<EXTRAORDINARY>                                  (173)
<CHANGES>                                            0
<NET-INCOME>                                    12,479
<EPS-PRIMARY>                                     2.44
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.16
<LOANS-NON>                                     10,699
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,228
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,665
<CHARGE-OFFS>                                    3,283
<RECOVERIES>                                     1,991
<ALLOWANCE-CLOSE>                               12,229
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>