<ARTICLE>                                                                     9
<MULTIPLIER>                                                              1,000
                                                                       
                                                                   
<PERIOD-TYPE>                                                         6-MOS
<FISCAL-YEAR-END>                                                     DEC-31-1996
<PERIOD-END>                                                          JUN-30-1996
<CASH>                                                                              58,304
<INT-BEARING-DEPOSITS>                                                                 884
<FED-FUNDS-SOLD>                                                                    24,492
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                         31,088
<INVESTMENTS-CARRYING>                                                             478,591
<INVESTMENTS-MARKET>                                                               474,028
<LOANS>                                                                            541,825
<ALLOWANCE>                                                                         10,498
<TOTAL-ASSETS>                                                                   1,185,974
<DEPOSITS>                                                                       1,051,312
<SHORT-TERM>                                                                            90
<LIABILITIES-OTHER>                                                                  9,430
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                            66,927
<OTHER-SE>                                                                          58,215
<TOTAL-LIABILITIES-AND-EQUITY>                                                   1,185,974
<INTEREST-LOAN>                                                                     25,825
<INTEREST-INVEST>                                                                   14,792
<INTEREST-OTHER>                                                                     1,050
<INTEREST-TOTAL>                                                                    41,667
<INTEREST-DEPOSIT>                                                                  16,669
<INTEREST-EXPENSE>                                                                  16,701
<INTEREST-INCOME-NET>                                                               24,966
<LOAN-LOSSES>                                                                          883
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                     18,314
<INCOME-PRETAX>                                                                     13,513
<INCOME-PRE-EXTRAORDINARY>                                                           8,892
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                         8,892
<EPS-PRIMARY>                                                                            1.33
<EPS-DILUTED>                                                                            1.33
<YIELD-ACTUAL>                                                                           4.65
<LOANS-NON>                                                                          4,283
<LOANS-PAST>                                                                           212
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                      1,219
<ALLOWANCE-OPEN>                                                                     9,194
<CHARGE-OFFS>                                                                          873
<RECOVERIES>                                                                           494
<ALLOWANCE-CLOSE>                                                                   10,498
<ALLOWANCE-DOMESTIC>                                                                10,498
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0