<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