<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           67877
<INT-BEARING-DEPOSITS>                            1556
<FED-FUNDS-SOLD>                                 11917
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     202538
<INVESTMENTS-CARRYING>                          155239
<INVESTMENTS-MARKET>                            151201
<LOANS>                                        1278705
<ALLOWANCE>                                      22102
<TOTAL-ASSETS>                                 1759525
<DEPOSITS>                                     1457135
<SHORT-TERM>                                     92801
<LIABILITIES-OTHER>                              27703
<LONG-TERM>                                      32916
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                       4263
<COMMON>                                         18225
<OTHER-SE>                                      126482
<TOTAL-LIABILITIES-AND-EQUITY>                 1759525
<INTEREST-LOAN>                                  29357
<INTEREST-INVEST>                                 5297
<INTEREST-OTHER>                                   194
<INTEREST-TOTAL>                                 34848
<INTEREST-DEPOSIT>                               12970
<INTEREST-EXPENSE>                               14594
<INTEREST-INCOME-NET>                            20254
<LOAN-LOSSES>                                     1438
<SECURITIES-GAINS>                                 278
<EXPENSE-OTHER>                                  15179
<INCOME-PRETAX>                                   7412
<INCOME-PRE-EXTRAORDINARY>                        7412
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      5076
<EPS-PRIMARY>                                      .53
<EPS-DILUTED>                                      .51
<YIELD-ACTUAL>                                    8.66
<LOANS-NON>                                       7252
<LOANS-PAST>                                      3681
<LOANS-TROUBLED>                                  1586
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 21696
<CHARGE-OFFS>                                     1462
<RECOVERIES>                                       430
<ALLOWANCE-CLOSE>                                22102
<ALLOWANCE-DOMESTIC>                             22102
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0