<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
COMPANY'S  QUARTERLY  REPORT ON FORM 10-Q FOR THE THREE  MONTHS  ENDED MARCH 31,
1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>      1,000
       
<S>                                                                 <C>
<PERIOD-TYPE>                                                             3-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1996
<PERIOD-END>                                                        MAR-31-1997
<CASH>                                                                    7,869
<INT-BEARING-DEPOSITS>                                                    3,836
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                             285,123
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                                 971,200
<ALLOWANCE>                                                               7,448
<TOTAL-ASSETS>                                                        1,315,052
<DEPOSITS>                                                              973,128
<SHORT-TERM>                                                             85,293
<LIABILITIES-OTHER>                                                       7,093
<LONG-TERM>                                                             158,000
<COMMON>                                                                 27,852
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<OTHER-SE>                                                               63,685
<TOTAL-LIABILITIES-AND-EQUITY>                                        1,315,052
<INTEREST-LOAN>                                                          20,006
<INTEREST-INVEST>                                                         5,195
<INTEREST-OTHER>                                                              0
<INTEREST-TOTAL>                                                         25,201
<INTEREST-DEPOSIT>                                                       10,919
<INTEREST-EXPENSE>                                                       14,742
<INTEREST-INCOME-NET>                                                    10,459
<LOAN-LOSSES>                                                               350
<SECURITIES-GAINS>                                                          130
<EXPENSE-OTHER>                                                           7,142
<INCOME-PRETAX>                                                           4,724
<INCOME-PRE-EXTRAORDINARY>                                                4,724
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              2,688
<EPS-PRIMARY>                                                              0.55
<EPS-DILUTED>                                                              0.55
<YIELD-ACTUAL>                                                             3.29
<LOANS-NON>                                                               6,722
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                          1,565
<LOANS-PROBLEM>                                                          10,852
<ALLOWANCE-OPEN>                                                          7,277
<CHARGE-OFFS>                                                               179
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                         7,448
<ALLOWANCE-DOMESTIC>                                                      6,811
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                     637
        

</TABLE>