<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the
consolidated condensed statement of financial condition and the consolidated
condensed statement of income and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<MULTIPLIER>                                      1000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          21,747
<INT-BEARING-DEPOSITS>                             400
<FED-FUNDS-SOLD>                                12,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    434,737
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        326,796
<ALLOWANCE>                                      1,782
<TOTAL-ASSETS>                                 848,255
<DEPOSITS>                                     748,470
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             19,198
<LONG-TERM>                                        519
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          6
<COMMON>                                            30
<OTHER-SE>                                      67,932
<TOTAL-LIABILITIES-AND-EQUITY>                 848,255
<INTEREST-LOAN>                                 17,922
<INTEREST-INVEST>                               21,767
<INTEREST-OTHER>                                 1,029
<INTEREST-TOTAL>                                40,718
<INTEREST-DEPOSIT>                              22,982
<INTEREST-EXPENSE>                              23,401
<INTEREST-INCOME-NET>                           17,677
<LOAN-LOSSES>                                      970
<SECURITIES-GAINS>                                 (31)
<EXPENSE-OTHER>                                 18,488
<INCOME-PRETAX>                                  1,086
<INCOME-PRE-EXTRAORDINARY>                       1,086
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       646
<EPS-PRIMARY>                                    (0.06)
<EPS-DILUTED>                                    (0.06)
<YIELD-ACTUAL>                                    3.07
<LOANS-NON>                                      5,029
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   687
<LOANS-PROBLEM>                                    549
<ALLOWANCE-OPEN>                                 1,659
<CHARGE-OFFS>                                      864
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                1,782
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,782
                                              



</TABLE>