<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> MAR-31-1995 <CASH> 54705 <INT-BEARING-DEPOSITS> 6222 <FED-FUNDS-SOLD> 29546 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 108443 <INVESTMENTS-CARRYING> 237414 <INVESTMENTS-MARKET> 231517 <LOANS> 1197069 <ALLOWANCE> 20922 <TOTAL-ASSETS> 1679381 <DEPOSITS> 1433635 <SHORT-TERM> 51559 <LIABILITIES-OTHER> 23804 <LONG-TERM> 39631 <COMMON> 16432 <PREFERRED-MANDATORY> 0 <PREFERRED> 4561 <OTHER-SE> 109759 <TOTAL-LIABILITIES-AND-EQUITY> 1679381 <INTEREST-LOAN> 27636 <INTEREST-INVEST> 4763 <INTEREST-OTHER> 236 <INTEREST-TOTAL> 32635 <INTEREST-DEPOSIT> 11897 <INTEREST-EXPENSE> 13527 <INTEREST-INCOME-NET> 19108 <LOAN-LOSSES> 1541 <SECURITIES-GAINS> 167 <EXPENSE-OTHER> 15116 <INCOME-PRETAX> 5860 <INCOME-PRE-EXTRAORDINARY> 5860 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3984 <EPS-PRIMARY> .46 <EPS-DILUTED> .44 <YIELD-ACTUAL> 8.52 <LOANS-NON> 8794 <LOANS-PAST> 2524 <LOANS-TROUBLED> 3234 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 20295 <CHARGE-OFFS> 1342 <RECOVERIES> 428 <ALLOWANCE-CLOSE> 20922 <ALLOWANCE-DOMESTIC> 20922 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0