<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