<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1995 <CASH> 58,138 <INT-BEARING-DEPOSITS> 1,387 <FED-FUNDS-SOLD> 26,360 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,249 <INVESTMENTS-CARRYING> 427,455 <INVESTMENTS-MARKET> 430,101 <LOANS> 481,214 <ALLOWANCE> 8,943 <TOTAL-ASSETS> 1,062,335 <DEPOSITS> 939,642 <SHORT-TERM> 85 <LIABILITIES-OTHER> 7,691 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 50,152 <OTHER-SE> 64,765 <TOTAL-LIABILITIES-AND-EQUITY> 1,062,335 <INTEREST-LOAN> 43,354 <INTEREST-INVEST> 25,299 <INTEREST-OTHER> 1,902 <INTEREST-TOTAL> 70,555 <INTEREST-DEPOSIT> 27,626 <INTEREST-EXPENSE> 27,655 <INTEREST-INCOME-NET> 42,900 <LOAN-LOSSES> 55 <SECURITIES-GAINS> 44 <EXPENSE-OTHER> 32,402 <INCOME-PRETAX> 24,718 <INCOME-PRE-EXTRAORDINARY> 24,718 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 16,356 <EPS-PRIMARY> 3.26 <EPS-DILUTED> 3.26 <YIELD-ACTUAL> 4.71 <LOANS-NON> 1,160 <LOANS-PAST> 173 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,482 <ALLOWANCE-OPEN> 9,024 <CHARGE-OFFS> 965 <RECOVERIES> 745 <ALLOWANCE-CLOSE> 8,943 <ALLOWANCE-DOMESTIC> 8,943 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0