<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> SEP-30-1995 <CASH> 54373 <INT-BEARING-DEPOSITS> 3130 <FED-FUNDS-SOLD> 5115 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 148683 <INVESTMENTS-CARRYING> 233776 <INVESTMENTS-MARKET> 231778 <LOANS> 1203959 <ALLOWANCE> 21052 <TOTAL-ASSETS> 1691870 <DEPOSITS> 1431113 <SHORT-TERM> 55078 <LIABILITIES-OTHER> 25751 <LONG-TERM> 40656 <COMMON> 17252 <PREFERRED-MANDATORY> 0 <PREFERRED> 4558 <OTHER-SE> 117462 <TOTAL-LIABILITIES-AND-EQUITY> 1691870 <INTEREST-LOAN> 28897 <INTEREST-INVEST> 5318 <INTEREST-OTHER> 357 <INTEREST-TOTAL> 34572 <INTEREST-DEPOSIT> 13350 <INTEREST-EXPENSE> 14988 <INTEREST-INCOME-NET> 19584 <LOAN-LOSSES> 1366 <SECURITIES-GAINS> 62 <EXPENSE-OTHER> 14631 <INCOME-PRETAX> 7133 <INCOME-PRE-EXTRAORDINARY> 4856 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4856 <EPS-PRIMARY> .54 <EPS-DILUTED> .51 <YIELD-ACTUAL> 8.62 <LOANS-NON> 5701 <LOANS-PAST> 3070 <LOANS-TROUBLED> 3110 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 21173 <CHARGE-OFFS> 1702 <RECOVERIES> 215 <ALLOWANCE-CLOSE> 21052 <ALLOWANCE-DOMESTIC> 21052 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0