<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> JUN-30-1995 <CASH> 64126 <INT-BEARING-DEPOSITS> 9558 <FED-FUNDS-SOLD> 7570 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 137997 <INVESTMENTS-CARRYING> 245983 <INVESTMENTS-MARKET> 244109 <LOANS> 1197049 <ALLOWANCE> 21173 <TOTAL-ASSETS> 1706183 <DEPOSITS> 1451865 <SHORT-TERM> 55021 <LIABILITIES-OTHER> 24936 <LONG-TERM> 39274 <COMMON> 17252 <PREFERRED-MANDATORY> 0 <PREFERRED> 4559 <OTHER-SE> 113276 <TOTAL-LIABILITIES-AND-EQUITY> 1706183 <INTEREST-LOAN> 28383 <INTEREST-INVEST> 4882 <INTEREST-OTHER> 569 <INTEREST-TOTAL> 33834 <INTEREST-DEPOSIT> 13113 <INTEREST-EXPENSE> 14675 <INTEREST-INCOME-NET> 19159 <LOAN-LOSSES> 1393 <SECURITIES-GAINS> 194 <EXPENSE-OTHER> 15573 <INCOME-PRETAX> 6517 <INCOME-PRE-EXTRAORDINARY> 6517 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4345 <EPS-PRIMARY> .48 <EPS-DILUTED> .46 <YIELD-ACTUAL> 8.58 <LOANS-NON> 6418 <LOANS-PAST> 2708 <LOANS-TROUBLED> 3121 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 20922 <CHARGE-OFFS> 1544 <RECOVERIES> 402 <ALLOWANCE-CLOSE> 21173 <ALLOWANCE-DOMESTIC> 21173 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0